It is is a decade since I acquired my house in Minera. Conveyancing lawyers have now been retained on the sale but I can't track down my title documents. Will this cause complications?
You need not be too concerned. First the deeds may be retained by the mortgage company or they may still be with the solicitor who acted in the 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 obtaining current official copies of the land registers. Most conveyancing in Minera involves registered property but in the rare situation where your home is unregistered it is more tricky but is resolvable.
I am buying a new build house in Minera benefiting from help to buy. The developers would not reduce the amount so I negotiated 6k of fixtures and fittings instead. The sale representative told me not disclose to my lawyer about this deal as it could put at risk my mortgage with the bank. Should I keep quiet?.
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.
Yesterday I discovered that there is a flying freehold element on a house I have offered on a fortnight ago in what should have been a simple, chain free conveyancing. Minera is where the house is located. Is there any advice you can give?
Flying freeholds in Minera are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Minera you must be sure that your lawyer goes 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 Minera may ascertain 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 residence.
How straightforward is it to use your search app to get a quote from a conveyancing lawyer in Minera on the authorised to act for my mortgage?
Step one is to select a mortgage company such as National Westminster Bank, Bank of Scotland or Britannia then specify your location such as Minera. Conveyancing organisations in Minera and further afield should be identified.
Back In 2006, I bought a leasehold flat in Minera. Conveyancing and Alliance & Leicester mortgage organised. I have received a letter from someone saying they have taken over the freehold. It included a demand for arrears of ground rent dating back to 1996. The conveyancing practitioner in Minera who previously acted has long since retired. Do I pay?
The first thing you should do is make enquiries of the Land Registry to make sure that this person is in fact the new freeholder. There is no need to instruct a Minera conveyancing practitioner to do this as it can be done on-line for less than a fiver. Rest assured that in any event, even if this is the rightful landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Minera Leasehold Conveyancing - Examples of Queries before Purchasing
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In the main the cost for major works are not included within service charges, although a few managing agents in Minera ask leasehold owners to contribute towards a reserve fund created for the specific intention of building a fund for major repairs or maintenance. How much is the annual maintenance fee and ground rent?
We have been advised by many friends to expect six to eight weeks for Minera conveyancing to complete.This was a month ago. The paperwork was only received from the vendors conveyancing practitioner a couple of days ago so does the clock start running now?
Don't rely on counting down any 6-8 week suggested period. Providing assurances as to exactly how how many weeks Minera conveyancing will take is virtually impossible. Without fail every Minera conveyancing transaction has it’s specific set of complexities. As a result your property lawyer should be unwilling to predict the a precise timeframe to complete conveyancing in Minera.