We are purchasing a property and the solicitor has referenced Chancel Repair to which the house could be liable given it’s proximity to the area of such a church. She has suggested insurance. Is this really necessary for conveyancing in Millom
Unless a previous purchase of the premises completed after 12 October 2013 you can expect conveyancing practitioners carrying out conveyancing in Millom to continue to suggest a chancel search and or chancel repair liability policy.
I own a 4 bedroom Edwardian house in Millom. Conveyancing practitioner represented me and Aldermore. I did a free Land Registry search last week and I saw two entries: one for freehold, another for leasehold under the exact same property. I thought I was buying a freehold how can I check?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Millom and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the situation with your conveyancing solicitor who completed the work.
I am buying my first flat in Millom benefiting from help to buy. The builders refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not disclose to my conveyancer about this extras as it would put at risk my mortgage with Godiva Mortgages Ltd. 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've recently found out that there is a flying freehold element on a property I put an offer in last month in what should have been a quick, no chain conveyancing. Millom is where the house is located. What do you suggest?
Flying freeholds in Millom are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Millom you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Millom may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
Is it possible to switch solicitor as I need to appoint one who is on the Bank of Scotland conveyancing panel. I hired a local conveyancing solicitor in Millom five minutes from me but the firm is not accepted by Bank of Scotland
We will our best to assist in finding you a conveyancing solicitor in Millom on the Bank of Scotland panel. Please note that the property lawyers that we on the directory do not pay us a referral fee if you instruct them and are registered with the Solicitors Regulation Authority who regulate all conveyancing solicitors in Millom. In making use of the find a conveyancing solicitor tool on this website, you can contrast fees for conveyancing solicitors in Millom and throughout England and Wales.
Why is New Build conveyancing in Millom more costly?
Buying a new build property is significantly distinct from the normal house buying conveyancing in Millom. For a start sellers normally need contracts to exchange very quickly, so there is a lot of pressure on your conveyancing practitioner to ensure all is in order. In addition new build premises often necessitate the checking of adoption of highways, drains, planning considerations, building warranties or architects certificates. Bank obligations are also more demanding. Taking into account the complex nature of the process for these types of properties, the conveyancing new build fees are higher than normal.