We are buying a flat and need a conveyancing solicitor in Danbury who is on the Skipton solicitor panel. Could you point me in the right direction as regards a solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Skipton . We don't recommend any particular firms conducting conveyancing in Danbury.
Our lender has recommended a law firm on their panel based in Danbury but I would rather instruct a conveyancing lawyer in Danbury round the corner to me. Can you help?
Far from all Danbury conveyancing solicitors are listed all banks conveyancing panel. Use the above find an approved solicitor tool to identify a Danbury conveyancing conveyancer on the on the lender panel.
My wife and I purchased a 4 bedroom Georgian property in Danbury. Conveyancing solicitor represented me and Santander. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, another for leasehold under the exact same property. Is it worth asking Santander to clarify?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Danbury and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing practitioner who conducted the work.
I am buying my first flat in Danbury with a loan from Bank of Ireland. The builders refused to move on the price so I negotiated 6k of additionals instead. The house builders rep told me not disclose to my conveyancer about this extras as it would impact my loan with the bank. Should I keep quiet?.
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.
I have been on the look out for a ground for flat up to £305k and found one round the corner in Danbury I like with amenity areas and transport links in the vicinity, however it's only got 61 years unexpired on the lease. I can't really find anything else in Danbury suitable, so just wondered if I would be making a grave error buying a short lease?
Should you need a mortgage the remaining unexpired lease term will likely be a potential deal breaker. Reduce the offer by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the premises for a minimum of 2 years you can request that they commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should speak to your conveyancing solicitor regarding this matter.