We are downsizing from our property in Otford and according to the buyers it appears that there is a risk of it being constructed land that was not decontaminated. Any local lawyer would know that there is no such problem. It does beg the question why the buyers are using a factory type conveyancing outfit rather than a conveyancing solicitor in Otford. We have lived in Otford for many years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to obtain confirmation that there is no issue.
It sounds as though you may have a conveyancing firm currently acting for you. Are they able to advise? You need to 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 sickness)
The deeds to my home are lost. The conveyancers who did the conveyancing in Otford 4 years ago have long since closed. What do I do?
These day there are copies made of almost everything, and your lawyer will be aware exactly where to locate all the appropriate paperwork so you can purchase or dispose of your property without a hitch. If copies can’t be located, your conveyancer may be able to arrange cover in the form of insurance or indemnities against possible claims on your premises.
I'm purchasing my first flat in Otford with a loan from Bank of Scotland. The sellers would not budge the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep suggested that I not inform my lawyer about the deal as it will jeopardize my loan 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.
I opted to have a survey carried out on a property in Otford before retaining conveyancers. I have been informed that there is a flying freehold overhang to the house. Our surveyor has said that some mortgage companies tend not give a mortgage on a flying freehold home.
It depends who your proposed lender is. Lloyds has different instructions from Birmingham Midshires. Should you wish to telephone us we can check 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 Otford. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Otford to see if the conveyancing will be more expensive.
How difficult is it to transfer to a new conveyancer as I need to instruct one who is on the Britannia conveyancing list. I had appointed a family conveyancing solicitor in Otford five minutes from me but he is not approved by Britannia
It would be our pleasure to assist you select a conveyancing solicitor in Otford on the Britannia panel. Please note that the property lawyers that we on the directory do not pay us commission if you instruct them and are registered with the SRA who oversee all conveyancing solicitors in Otford. In utilising the find a conveyancing solicitor tool on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Otford.
I own a leasehold flat in Otford. Conveyancing and Clydesdale mortgage are in place. A letter has just been received from someone saying they have taken over the freehold. It included a demand for arrears of ground rent dating back to 1993. The conveyancing practitioner in Otford who previously acted has now retired. What should I do?
The first thing you should do is contact the Land Registry to be sure that this person is in fact the registered owner of the freehold reversion. There is no need to instruct a Otford conveyancing solicitor to do this as you can do this on the Land Registry website for a few pound. You should note that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Otford Conveyancing for Leasehold Flats - Sample of Queries before buying
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Are there any major works anticipated that could increase the maintenance fees? Its a good idea to discover as much as you can concerning the company managing the block as they can either make living at the property much simpler or problematic. Being a leasehold owner you are frequently in the clutches of the managing agents both financially and when it comes to practical matters like the cleanliness of the common parts. Don't be afraid to ask prospective neighbours whether they are happy with them. Finally, find out the dates that you are obliged pay the service charge to the relevant party and precisely what you get for your money. It would be wise to investigate if the the lease includes any onerous restrictions in the lease. For example it is very common in Otford leases that pets are not permitted in in a block in Otford. If you love the flatin Otford however your cat is not allowed to move with you then you will be faced hard decision.