It is is a decade since I acquired my house in Ludgershall. Conveyancing lawyers have now been instructed on the sale but I can't track down the title deeds. Is this a major issue?
Don’t worry too much. First there is a chance that the deeds will be with your mortgage company or they could be in the possession of the conveyancers who oversaw the purchase. Secondly the chances are that the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Nearly all conveyancing in Ludgershall involves registered property but in the unlikely event that your home is not registered it is more problematic but is resolvable.
Are the BSA intent on creating a searchable register to list law firms on the Darlington Building Society conveyancing panel for example in Ludgershall?
We have not been informed any intention on the part of the BSA to develop such a search facility.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Ludgershall?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Ludgershall. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am purchasing a new build house in Ludgershall with the aid of help to buy. The builders refused to move on the price so I negotiated £7000 of fixtures and fittings instead. The house builders rep told me not inform my conveyancer about the deal as it may adversely affect my loan with the lender. 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.
Due to the input of my in-laws I had a survey completed on a house in Ludgershall before appointing conveyancers. I have been informed that there is a flying freehold overhang to the property. Our surveyor advised that some lenders tend not grant a loan on this type of premises.
It depends who your proposed lender is. HSBC has different instructions from Nationwide. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Ludgershall. Conveyancing may be slightly more expensive based on your lender's requirements.
I am using a search engine for the term cheap conveyancing in Ludgershall it reveals numerous conveyancerslocally. With so much choice what is the best way to find the suitable property lawyer for my move?
The preferential way of seeking the right conveyancer is through a personal testimonial, so ask colleagues and relatives who have purchased a property in Ludgershall or the respected estate agent or financial adviser. Charges for conveyancing in Ludgershall vary, so it's sensible to obtain a minimum of three quotes from different property lawyers. Dont forget to clarify that the costs are assured not to to be inflated.