A friend advised me that in buying a property in Gilberdyke there could be various restrictions prohibiting external changes to a property. Is this right?

We are aware of a number of properties in Gilberdyke which have some sort of restriction or requirement of consent to external changes. Part of the conveyancing in Gilberdyke should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

My wife and I buying a 4 bedroom semi-detached house in Gilberdyke. We would like to carry out a loft conversion at the house.Will the conveyancing process include checks to ascertain if these works are allowed?

Your conveyancer will review the registered title as conveyancing in Gilberdyke will on occasion identify restrictions in the title documents which prevent categories of alterations or necessitated the permission of a 3rd party. Certain extensions require local authority planning consent and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.

It is not clear whether my bank requires a lease extension. I have called into my local Gilberdyke building society branch on numerous occasions and was told they are content with the situation and they will lend. My Gilberdyke conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned to say that they refuse to lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. I have no idea who is right.

As long as the conveyancer is on the mortgage company panel, she or he must follow the CML Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the bank 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 left on the lease.

Are there restrictive covenants that are commonly picked up as part of conveyancing in Gilberdyke?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Gilberdyke. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

The estate agent has sent us the confirmation of our purchase of a new build apartment in Gilberdyke. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Gilberdyke

Forfeiture - bankruptcy or liquidation must not apply under this provision. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.

I today plan to offer on a house that seems to be perfect, at a great figure which is making it more attractive. I have since been informed that the title is leasehold rather than freehold. I would have thought that there are issues buying a leasehold house in Gilberdyke. Conveyancing advisers have are soon to be instructed. Will my lawyers set out the implications of buying a leasehold house in Gilberdyke ?

The majority of houses in Gilberdyke are freehold rather than leasehold. In this scenario it’s worth having a local solicitor who is familiar with the area who can help the conveyancing process. It is clear that you are buying in Gilberdyke in which case you should be looking for a Gilberdyke conveyancing solicitor and check that they are used to advising on leasehold houses. First you will need to check the unexpired lease term. As a tenant you will not be at liberty to do whatever you want to the property. The lease will likely included provisions such as requiring the landlord’sconsent to conduct changes to the property. It may be necessary to pay a contribution towards the upkeep of the communal areas where the house is located on an estate. Your lawyer should appraise you on the various issues.

Leasehold Conveyancing in Gilberdyke - A selection of Questions you should ask before Purchasing

How many years remain on the lease? Generally speaking the cost for major works are not included within maintenance charges, although a few managing agents in Gilberdyke require leasehold owners to contribute towards a reserve fund created for the specific purpose of building a fund for larger works.

We have been advised by numerous estate agents to expect up to two months for Gilberdyke conveyancing to complete.This was a month ago. The paperwork was only sent from the vendors lawyer yesterday so now does it countdown?

Six to 8 weeks is an extremely unreliable timescale. Answering accurately how how many weeks Gilberdyke conveyancing will take is an impossible task. Every Gilberdyke conveyancing transaction will have it’s specific set of concerns. Accordingly your conveyancing practitioner will find it difficult to guarantee an exact timescale to finalise conveyancing in Gilberdyke.