I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Rowlands Gill. My lender is Accord Mortgages

Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 8/5/2024, the requirements read as follows :

Despite weeks of looking the Title Certificate and documents to my property can not be found. The solicitors who handled the conveyancing in Rowlands Gill 4 years ago have long since closed. What are my options?

You no longer need to hold title official documentation to establish that you own the land or premises, given that the Land Registry have everything they need in a digital format.

I'm buying a new build house in Rowlands Gill with the aid of help to buy. The developers refused to reduce the amount so I negotiated 6k of fixtures and fittings instead. The property agent told me not disclose to my conveyancer about this deal as it could jeopardize my mortgage with Clydesdale. 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.

I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a straight forward, no chain conveyancing. Rowlands Gill is the location of the property. Is there any guidance you can impart?

Flying freeholds in Rowlands Gill are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Rowlands Gill 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 Rowlands Gill 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 premises.

Are there any distinct benefits to choosing a local conveyancer in Rowlands Gill

Home movers in Rowlands Gill prefer a nearby high street conveyancer so that they can pop into the firm’s offices if they have concerns, and to sign mortgage deeds rather taking the chance in depending on the post.

There is a marginal edge when selecting a conveyancing practitioner nearby to the house you are hoping to purchase, due to the familiarity of the area and potential local issues - however this is debatable. Most conveyancers conduct their work via the web and may be practically anywhere.