I am buying a property without a mortgage in Chopwell. I have been living for the previous 15 years in Chopwell. Conveyancing searches are expensive. Given that I have knowledge of the road and vicinity very well should I not bother getting the solicitor to do all the conveyancing searches?

If you not getting a mortgage, then almost all of the Chopwell conveyancing searches are optional. Your conveyancer will try and sway you, no-doubt strongly, that you should have searches carried out, but he has a professional duty to do this. One thing to consider; if you are likely to dispose of the house in the future, it could be of importance to your future purchaser what the searches contain. On occasion premises with functional issues can still reveal detrimental search results. A good conveyancing solicitor in Chopwell should provide you some practical advice in this regard.

I moved into my apartment on 8 February and the transaction details are still not registered. Any reason for this? My conveyancing solicitor in Chopwell expressed confidence that it would be recorded in a couple of weeks. Are properties in Chopwell uniquely lengthy to register?

As far as conveyancing in Chopwell is concerned, registration is no quicker or slower than the rest of the country. As opposed to being determined by geographic area, timeframes can differ according to who lodges the application, whether there are errors and if the Land registry need to notify any other persons or bodies. At present in the region of three quarters of such applications are completed within 12 days but occasionally there can be longer delays. Historically registration takes place once the new owner is living at the premises so an expedited registration is not typically primary concern yet if there is a degree of urgency associated with the registration then you or your lawyers must communicate with the Registry to express the reasoning for an expedited registration.

I am buying my first flat in Chopwell with a mortgage from Aldermore. The sellers would not reduce the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep advised me not disclose to my solicitor about the deal as it would jeopardize my loan with the lender. Do I keep my lawyer in the dark?.

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 guidance of my in-laws I had a survey completed on a property in Chopwell in advance of instructing lawyers. I have been told that there is a flying freehold overhang to the house. Our surveyor advised that some lenders may refuse to give a mortgage on this type of premises.

It varies from the lender to lender. HSBC has different requirements from Halifax. Should you wish to call us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Chopwell. Conveyancing will be smoother if you use a solicitor in Chopwell especially if they are familiar with such properties in Chopwell.

My in 2007. He has been married, widowed and in recent months got remarried. He will be selling the apartment next winter. I think he will simply be asked to provide a copy of the marriage certificates to the lawyer but he is anxious it could frustrate the home move. Is it worth updating the land title information for the property?

The is no need to bring up to date the register as long as you have the proof required to show how the name change occurred.

Any purchaser’s property lawyer should check the registered details and require evidence to establish the name change e.g. marriage certificates.