My son is about to exchange on a new build apartment in Shiremoor with a mortgage from Kent Reliance. His lawyer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. Who needs to receive the form?
The form is intended to provide information to the main parties engaged in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Kent Reliance conveyancing panel as a standard part of the process, and to the valuer when asked. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Kent Reliance conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
As a novice what is the most important advice you can impart regarding purchase conveyancing in Shiremoor?
You may not hear this from too many lawyers but conveyancing in Shiremoor and elsewhere in England and Wales is often a confrontational experience. In other words, when it comes to conveyancing there is plenty of room for friction between you and others involved in the ownership transfer. E.g., the seller, selling agent and on occasion the mortgage company. Appointing a law firm for your conveyancing in Shiremoor is a critical decision as your conveyancer is your adviser, and is the ONLY person in the transaction whose responsibility is to act in your best interests and to protect you.
We are witnessing a distinct emergence of a "blame" culture- someone must be at fault for the process taking so long. You your first instinct should be to trust your lawyer ahead of the other players when it comes to the legal transfer of property.
About to place an offer on a leasehold apartment in Shiremoor. The estate agents tell me that it is normal for flats in Shiremoor to have less than 75 years remaining. I am getting a mortgage with Bank of Ireland. Is this going to be a problem if the lease has 72 years remaining.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 14/3/2026 the requirements read as follows :
Should my conveyancer be raising enquiries regarding flooding during the conveyancing in Shiremoor.
Flooding is a growing risk for lawyers dealing with homes in Shiremoor. Plenty of people will buy a property in Shiremoor, completely expectant that at some time, it may suffer from flooding. However, aside from the physical damage, where a house is at risk of flooding, it may be difficult to obtain a mortgage, suitable building insurance, or sell the premises. Steps can be carried out during the course of a property purchase to forewarn the buyer.
Lawyers are not best placed to impart advice on flood risk, but there are a number of checks that can be carried out by the purchaser or on a buyer’s behalf which can give them a better appreciation of the risks in Shiremoor. The standard information given to a buyer’s lawyer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a standard inquiry of the seller to find out whether the premises has ever been flooded. If flooding has previously occurred which is not disclosed by the owner, then a buyer could issue a claim for damages resulting from an incorrect answer. A purchaser’s conveyancers may also commission an enviro search. This should reveal if there is any known flood risk. If so, further inquiries will need to be initiated.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The conveyancers who conducted the conveyancing in Shiremoor 4 years ago have long since closed. Will I be able to sell the house?
Gone are the days when you need to hold title original deeds to prove you are the registered proprietor of land or premises, given that the Land Registry hold details of all registered land or property electronically.
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 simple, chain free conveyancing. Shiremoor is where the house is located. Can you shed any light on this issue?
Flying freeholds in Shiremoor are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Shiremoor you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Shiremoor 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.