It is is a decade since I bought my house in Kilburn. Conveyancing solicitors have just been appointed on the sale but I am unable to find my title deeds. Is this a major issue?
Don’t worry too much. First the deeds may be with your mortgage company or they may be in the possession of the solicitor who acted in your purchase. Secondly the likelihood is that the land will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring up to date copy of the land registers. The vast majority of conveyancing in Kilburn relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.
We are selling our house in Kilburn and the buyers lawyers are claiming that there is a possibility that the property was built on contaminated land. A local lawyer would know that there is no such problem. For the life of me I don't know why the purchasers are using a national conveyancing practice rather than a conveyancing solicitor in Kilburn. Having lived in Kilburn for 4 years we know that this is a non issue. Should we get in touch with our local Authority to obtain confirmation that there is no issue.
It would appear that you have a conveyancing firm currently acting for you. What do they say? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
I'm buying a new build house in Kilburn with a loan from Skipton Building Society. The builders would not move on the price so I negotiated 6k of additionals instead. The house builders rep advised me not inform my conveyancer about the side-deal as it could put at risk my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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.
Due to the encouragement of my in-laws I had a survey completed on a property in Kilburn before instructing solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor advised that some mortgage companies tend refuse to give a mortgage on a flying freehold premises.
It varies from the lender to lender. HSBC has different instructions for example to Halifax. If you e-mail us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Kilburn. Conveyancing will be smoother if you use a solicitor in Kilburn especially if they are accustomed to such properties in Kilburn.
How do I use the search facility to locate a conveyancing lawyer in Kilburn on the panel for my bank?
Step one is to pick a bank such as Barclays , Chelsea Building Society or Bank of Ireland then type in your preferred area for instance Kilburn. Conveyancing practices in Kilburn and nationally will then be identified.
I have just started marketing my ground floor flat in Kilburn. Conveyancing has not commenced, however I have just had a half-yearly service charge invoice – should I leave it to the buyer to sort out?
It best that you clear the service charge as normal given that all rents and maintenance charges should be apportioned as part of the financial calculations for completion monies, so you should recover the relevant percentage by the purchaser for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.
My wife and I have hit a brick wall in trying to purchase the freehold in Kilburn. Can the Leasehold Valuation Tribunal adjudicate on premiums?
if there is a absentee freeholder or where there is dispute about the premium for a lease extension, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the Leasehold Valuation Tribunal to arrive at the amount due.
An example of a Freehold Enfranchisement case for a Kilburn premises is 4 & 4A Charteris Road in June 2009. the Tribunal held that the price to be paid for the enfranchisement of 4/4a Charteris Road to be £15,510 for at 4and £15,694 for at 4a This case related to 2 flats. The unexpired term as at the valuation date was 70.02 years.