I am assisting my aunt sell her flat in Fillongley. Does the conveyancing solicitor commission the EPC or it is for me to coordinate?

After the demise of HIPs, energy performance certificates was maintained a compulsory element of selling a property. An energy performance certificate must be to hand in advance of the property being advertised. This is not as aspect of the sale process that solicitors normally organise. Where you are instructing a Fillongley conveyancing solicitor they may be able to arrange energy assessments due to their relationships with long established local assessors

I happen to be the only recipient of my late grandmother’s will with all property in now in my sole name, including the house in Fillongley. The Fillongley property was put into my name in June. I plan to dispose of the house. I do know about the Mortgage Lenders 6 month 'rule', meaning my property ownership could be treated the same way as if I'd bought the house in June. Will no one buy the property for half a year?

The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be impacted by that. How sensible a view lenders take of it, depend on the bank as this obligation chiefly exists to identify the purchase and immediately sell or the quick reselling of property.

After shopping around on the internet I have found a Fillongley conveyancing practitioner having checked that they are on the Kent Reliance conveyancing panel. Does my lawyer arrange the survey of the property?

Kent Reliance will need an independent valuation of the property. Your lawyer will not arrange this. Usually Kent Reliance 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. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Fillongley postcode. As you are getting a mortgage with Kent Reliance, you could contact them to see if they have a list of approved surveyors in Fillongley.

Have completed on a a terraced house in Fillongley , how long should it take for the Land Registry to register my ownership? My Fillongley conveyancing solicitor has been very slow, so I want to check that my ownership is registered.

As far as conveyancing in Fillongley is concerned, registration is no quicker or slower than the rest of the country. As opposed to being determined by geographic area, timeframes can differ subject to who lodges the application, whether it is in order and if the Land registry must send notices to any interested persons or bodies. As of today roughly three quarters of submission are fully addressed in less than three weeks but some can be subject to longer hold-ups. Historically registration is effected once the new owner has moved in to the premises therefore 'speed' is not typically an essential issue yet if it is urgent that the the registration takes place urgently then you or your solicitor could speak with the land registry and explain the circumstances.

I am buying my first flat in Fillongley with a loan from Alliance & Leicester . The sellers refused to budge the price so I negotiated £7000 of extras instead. The sale representative told me not reveal to my lawyer about this extras as it would affect my mortgage with the bank. Should I keep quiet?.

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 only have 72 years remaining on my flat in Fillongley. I need to get lease extension but my landlord is can not be found. What options are available to me?

On the basis that you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be extended by the magistrate. However, you will be required to demonstrate that you have made all reasonable attempts to find the lessor. On the whole an enquiry agent should be useful to conduct investigations and prepare a report to be accepted by the court as evidence that the freeholder can not be located. It is wise to seek advice from a solicitor both on investigating the landlord’s disappearance and the vesting order request to the County Court overseeing Fillongley.

Fillongley Conveyancing for Leasehold Flats - Sample of Questions you should ask Prior to Purchasing

Best to be warned if redecorating or some other significant cost is pending to be shared by the leasehold owners and will materially increase the the maintenance fees or necessitate a specific payment. The best form of lease arrangement is a share of the freehold. In this arrangement the lessees benefit from control and although a managing agent is often retained where the building is larger than a house conversion, the managing agent acts for the leaseholders themselves. Does the lease have more than 80 years unexpired?

Do I cancel the direct debit for my mortgage with TSB once a completion date for my home sale in Fillongley has been set?

No, you should keep paying any mortgage sums to TSB pending the mortgage being discharged out of the proceeds of sale as part of your Fillongley conveyancing.