We are purchasing a 4 bedroom semi-detached house in Littleover. The intention is to carry out a loft conversion at the property.Will the conveyancing process include enquiries to see if these works are prohibited?
Your property lawyer should review the deeds as conveyancing in Littleover can on occasion identify restrictions in the title deeds which prevent categories of works or require the permission of another owner. Certain additions need local authority planning permissions and approval in accordance building regulations. Some areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be sensible to check these things with a surveyor before you commit yourself to a purchase.
I am currently in the process of buying my council flat in Littleover. I have a mortgage offer with Bank of Ireland. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Bank of Ireland, you will need to appoint a solicitor on the Bank of Ireland conveyancing panel.
I currently have a mortgage with Nottingham for my property in Littleover. Conveyancing has been completed months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Nottingham?
Your original mortgage agreement with Nottingham will provide that you need their approval before letting out your property as this is likely to be a breach of Nottingham’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Nottingham directly. It should not be necessary to do this via a Nottingham conveyancing panel solicitor.
Should commercial conveyancing searches reveal proposed roadworks that may impact a commercial land in Littleover?
Its becoming the norm that commercial conveyancing solicitors in Littleover will perform a SiteSolutions Highways report as it dramatically cuts the time that conveyancers spend in investigating accurate data on highways that impact buildings and development assets in Littleover. The report sets out definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Littleover.
For every commercial conveyancing transaction in Littleover it is crucial to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately can cause delays to Littleover commercial conveyancing transactions as well as present a risk to future intentions for the site. These searches are not carried out for domestic conveyancing in Littleover.
I completed on my flat on 3 September and my personal details is not yet on the land registry website. Should I be concerned? My conveyancing solicitor in Littleover said it would be concluded in less than a month. Are properties in Littleover uniquely lengthy to register?
As far as conveyancing in Littleover is concerned, registration is no quicker or slower than the rest of the country. Rather than based on location, timeframes can vary according to who lodges the application, whether it is in order and whether the Land registry communicate with any third persons or bodies. At present approximately 80% of submission are fully addressed within two weeks but some can be subject to protracted delays. Registration is effected once the purchaser has moved in to the property thus an expedited registration is not usually primary concern yet where it is urgent that the the registration takes place urgently then you or your conveyancer must communicate with the Registry to express the reasoning for the application to be prioritised.
I'm purchasing a new build house in Littleover with the aid of help to buy. The builders refused to move on the price so I negotiated 6k of extras instead. The estate agent told me not inform my lawyer about this side-deal as it may affect 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 am looking into buying my first house which is in Littleover and I am already nervous. I couldn't find anything specific about Littleover. Conveyancing will be needed in due course but do you know about the Littleover area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Littleover. In the meantime here are some basic statistics that we found