Despite weeks of looking the Title Certificate and documents to our home can not be found. The lawyers who handled the conveyancing in Colerne 5 years ago have long since closed. What are my next steps?

Assuming you have a registered title the details of your proprietorship will be held by HMLR under a Title Number. It is easy to carry out a search at the Land Registry, identify your property and secure current copies of the Registered Entries for a small fee. If the title is Leasehold then the Land Registry will in most cases retain a file duplicate of the Registered Lease and again, a copy can be obtained for £20 inclusive of VAT.

I am purchasing a new build house in Colerne with the aid of help to buy. The sellers would not budge the amount so I negotiated £7000 of additionals instead. The property agent suggested that I not disclose to my conveyancer about the extras as it would impact my loan with the bank. Do I keep my lawyer in the dark?.

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 am a sole trader wishing to lease a unit on the high street. Can you recommend lawyers offering fixed fees for non-domestic conveyancing in Colerne for less than £1,200?

We are happy to recommend firms who have specialist knowledge of commercial conveyancing in Colerne, including the sale and purchase of businesses as well as simply property. If you are looking to acquire or lease a shop, pub, restaurant, office, retail premises or a whole business we will put you in touch with the right firm. As for the charges these will vary based on the structure and complexity of the deal. Let us have your details or telephone so as to enable us to supply you with a detailed commercial conveyancing calculation.

I today plan to offer on a house that appears to meet my requirements, at a reasonable figure which is making it all the more appealing. I have since found out that it's a leasehold as opposed to freehold. I would have thought that there are particular concerns buying a house with a leasehold title in Colerne. Conveyancing lawyers have not yet been appointed. Will they explain the issues?

Most houses in Colerne are freehold and not leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can assist with the conveyancing process. It is clear that you are buying in Colerne in which case you should be shopping around for a Colerne conveyancing solicitor and check that they have experience in advising on leasehold houses. As a matter of priority you will need to check the number of years remaining. As a lessee you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as requiring the freeholder’sconsent to carry out changes to the property. It may be necessary to pay a service charge towards the upkeep of the estate where the house is part of an estate. Your solicitor should appraise you on the various issues.

Colerne Leasehold Conveyancing - A selection of Questions you should ask Prior to buying

Best to be warned whether window replacement or some other major work is anticipated to be shared amongst the leasehold owners and will materially increase the the maintenance costs or necessitate a one off invoice. Plenty Colerne leasehold properties will be liable to pay a service bill for the upkeep of the block set by the management company. Should you acquire the apartment you will have to meet this charge, normally periodically during the year. This can be anything from several hundred pounds to thousands of pounds for bigger purpose-built buildings. In all likelihood there will be a ground rent to be met yearly, this is usually not a exorbitant amount, say about £25-£75 but you should to check it because sometimes it can be prohibitively expensive.

The property lawyers conducting our conveyancing in Colerne has forwarded papers to review that state the property is unregistered with epitome documents. How can it be that the property not registred at HM Land Regsitry?

The majority of property in Colerne is registered. An 'epitome' is basically a dossier of photocopies of documents affecting an unregistered title. Plenty of Colerne conveyancing lawyers should be capable of dealing with this type of conveyancing but if any uncertainty exists the usual advice presently is for the seller to register the title first and then deal with the transfer to the buyer - this undoubtedly cause a drawn-out home move.