Do I need to visit the offices of the solicitor to sign the mortgage deed? If so, I will choose one who does conveyancing in Heckmondwike so that I can attend their offices when needed.

Whereas this was necessary 12 years ago, most lenders no longer oblige their conveyancing panel solicitor to witness the mortgagors signature. You will still be obliged to provide ID documents and there are still manifest benefits to instructing a locally based ayer, in your situation a conveyancing solicitor in Heckmondwike.

I am purchasing my first flat in Heckmondwike with a mortgage from Nationwide Building Society. The developers would not reduce the amount so I negotiated £7000 of additionals instead. The estate agent advised me not inform my conveyancer about the extras as it would impact my loan with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer 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.

Should I appoint a Heckmondwike conveyancing solicitor based in the location that I am buying? We have a good friend who can execute the conveyancing however her office is 400miles away.

The benefit of a local Heckmondwike conveyancing firm is that you can pop in to execute documents, hand in your identification documents and pester them where appropriate. They will also have local knowledge which is a bonus. That being said it's more important to get someone that will pull out all the stops for you. If you know people who instructed your friend and the majority were content that should outweigh using an unfamiliar Heckmondwike conveyancing lawyer solely due to them being Heckmondwike based.

I am attracted to a couple of maisonettes in Heckmondwike both have approximately 50 years remaining on the leases. Will this present a problem?

A lease is a right to use the property for a prescribed time frame. As a lease shortens the value of the lease deteriorates and results in it becoming more costly to acquire a lease extension. This is why it is advisable to extend the lease term. Sometimes it is difficulties arise selling premises with a short lease as mortgage lenders may be unwilling to lend money on such properties. Lease extension can be a difficult process. We recommend you seek professional assistance from a conveyancer and surveyor with experience in this area.

Heckmondwike Leasehold Conveyancing - Sample of Questions you should ask before buying

What prohibitions are there in the Heckmondwike Lease? How much is the ground rent and service charge? Who manages the block?

My mother and father are unable to locate their Heckmondwike property on the HM Land Registry site. They recall that back in the 60’s when they acquired the property there were complications concerning Heckmondwike not being recognised in some systems.

Nearly all properties in Heckmondwike should show up. Have you limited your search with just the postcode. Ordinarily it should disclose all the residences inside that postcode. Assuming the property is registered it will show up with a title number. If they bought back in the 60’s it's conceivable it may be not yet registered. The property may still be revealed but with the title number shown 'na'. In this scenario you will need to track down the original title documentation which could be with your parent’s mortgage company.