My aunt pointed out to me me that in buying a property in Burnham On Crouch there could be a number of restrictions affecting the ability to carry out external alterations to a property. Is this right?

We are aware of anumerous of properties in Burnham On Crouch which have some sort of restriction or requirement of consent to execute external alterations. Part of the conveyancing in Burnham On Crouch should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I can not fathom if my lender requires a lease extension. I have telephoned my Burnham On Crouch building society branch on a couple of occasions and was informed it wasn't an issue and they will lend. My Burnham On Crouch conveyancing solicitor - who is on the bank conveyancing panel- called and was told they would not lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?

Provided that the conveyancing practitioner is on the lender approved list, they must adhere to the CML Handbook requirements for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.

I've digested plenty of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Burnham On Crouch solicitor - who is on the Coventry BS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?

Coventry BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Coventry BS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Burnham On Crouch surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

I am buying my first flat in Burnham On Crouch with a mortgage from Nottingham Building Society. The sellers would not reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative told me not disclose to my solicitor about the side-deal as it would jeopardize my mortgage with Nottingham Building Society. 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 have been on the look out for a leasehold apartment up to £305k and found one round the corner in Burnham On Crouch I like with a park and railway links in the vicinity, however it's only got 61 years unexpired on the lease. There is not much else in Burnham On Crouch in this price bracket, so just wondered if I would be making a mistake buying a short lease?

Should you need a home loan the shortness of the lease will likely be an issue. Discount the offer by the expected lease extension will cost if not already taken into account. If the current proprietor has owned the property for at least twenty four months you can request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should consult your conveyancing solicitor regarding this matter.

I am looking for a conveyancing lawyer in Burnham On Crouch for my house move. Is there any facility to review a firm’s complaints history with the profession’s regulator?

You can see presented Solicitor Regulator Association (SRA) determinations arising from inquisitions from 2008 onwards. Visit Check a solicitor's record. To find records about the period before 1 January 2008, or to check a firm's history, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, dial +44 (0)121 329 6800. The regulator could recorded call for training purposes.

A licensed conveyancer handled my conveyancing in Burnham On Crouch three years past having archived my deeds but has since been shut down – how do I get hold of these?

Deeds, as such, are no longer appropriate for the majority of properties in Burnham On Crouch are archived electronically at Land Registry. Where you need to show ownership or are disposing of or re-mortgaging your property lawyer can obtain up to date copies of the register from the Land Registry in any case.

If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.