Our Ilford conveyancer has discovered an inconsistency when comparing the information in the home valuation report and what is revealed within the legal papers for the property. My lawyer says that he needs to check that the bank is OK with this discrepancy and is still content to lend. Is my conveyancer’s course or action right?

Your solicitor must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

I am buying a victorian detached house in Ilford. Our aim is to an extension at the rear at the house.Will legal investigations on the property involve investigations to ascertain if these alterations were previously refused?

Your conveyancer will review the deeds as conveyancing in Ilford can sometimes reveal restrictions in the title deeds which restrict categories of changes or need the permission of another owner. Many additions need local authority planning permissions and approval under the building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be sensible to check these things with a surveyor ahead of any purchase.

I have today made my last payment due on my mortgage with Leeds Building Society. I assume I don't need a Ilford conveyancer on the Leeds Building Society panel to discharge the mortgage at the Land Registry. Am I right?

If you have finished paying off your Leeds Building Society mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Leeds Building Society mortgage from the register. Leeds Building Society, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Leeds Building Society has sent the Land Registry the discharge electronically, and
3. Leeds Building Society has instructed the Land Registry to do so

Clydesdale have agreed my home loan in principle, my bid on a property in Ilford has been accepted, now what?

The property agent will wish to be informed of your conveyancing practitioner's details (ensure that the conveyancing practitioners are on the bank’s panel). Contact Clydesdale or your broker and finalise any appropriate paperwork. Clydesdale will sellect a valuer who will get in touch with the estate agent or vendor to book an appointment. Once carried out (assuming no problems) it takes approximately a week for the mortgage offer to be issued. Clydesdale will send the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Ilford.

I acquired my house on 16 November and my personal details is not yet registered. Should I be concerned? My conveyancing solicitor in Ilford said it would be formalised in a couple of weeks. Are transfers in Ilford uniquely lengthy to register?

As far as conveyancing in Ilford is concerned, registration is no quicker or slower than the rest of England and Wales. As opposed to being determined by geographic area, timeframes can adjust according to who lodges the application, whether it is in order and if the Land registry must send notices to any 3rd parties. At present approximately three quarters of submission are fully dealt with in less than three weeks but some can be subject to protracted hold-ups. Registration occurs once the buyer is living at the premises so an expedited registration is not usually an essential issue but if there is a degree of urgency associated with the registration then you or your solicitor should speak with the land registry and explain the circumstances.

I am buying my first flat in Ilford with a loan from Barclays . The developers refused to reduce the amount so I negotiated £7000 of extras instead. The house builders rep told me not inform my conveyancer about this side-deal as it will put at risk my mortgage with the lender. 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.

Due to the encouragement of my in-laws I had a survey completed on a house in Ilford prior to retaining solicitors. I have been informed that there is a flying freehold aspect to the property. My surveyor advised that some lenders will refuse to give a mortgage on such a house.

It varies from the lender to lender. Bank of Scotland has different requirements from Birmingham Midshires. If you call us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Ilford. Conveyancing may be slightly more expensive based on your lender's requirements.