A relative suggested that where I am purchasing in Frampton on Severn I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is usually quoted for as part of the standard Frampton on Severn conveyancing searches. It is a large report of more than thirty pages, listing and setting out significant information about Frampton on Severn around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Frampton on Severn Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful data concerning Frampton on Severn.
Despite weeks of looking the Title Certificate and documents to our home are lost. The solicitors who conducted the conveyancing in Frampton on Severn 4 years ago no longer exist. What do I do?
In today’s world there are copies made of almost everything, and your lawyer should be aware precisely where to look for all the relevant documentation so you may buy or sell your house without a hitch. Where duplicates can’t be found, your solicitor can put in place insurance or indemnities against future claims on your property.
I'm buying my first flat in Frampton on Severn benefiting from help to buy. The sellers refused to budge the amount so I negotiated 6k of fixtures and fittings instead. The property agent advised me not disclose to my lawyer about the deal as it may jeopardize my loan with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey completed on a house in Frampton on Severn before instructing conveyancers. I have been told that there is a flying freehold overhang to the house. My surveyor has said that some lenders may refuse to give a loan on a flying freehold property.
It depends who your proposed lender is. Santander has different requirements from Halifax. Should you wish to telephone us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Frampton on Severn. Conveyancing may be slightly more expensive based on your lender's requirements.
My cousin has encouraged me to use his lawyers for conveyancing in Frampton on Severn. Do I follow his advice?
No doubt it’s preferable to choose a conveyancing practitioner is to have referrals from friends or family who have used the solicitor that you are contemplating using.
Our financial adviser has suggested using their solicitor for our conveyancing in Frampton on Severn - Is it not simpler advisable to just instruct them?
It is worth checking if the selling agent is recommending a conveyancer or introducing to a lawyer. There are plenty of Frampton on Severn selling agents who recommend two or three Frampton on Severn conveyancing firms and get nothing from it.