I am purchasing a property mortgage free in Littleover. I have been living for the last Seventeen years in Littleover. Conveyancing searches are exorbitant. As I have knowledge of the area and road intimately must I have all the conveyancing searches?

In the absence of a mortgage, then the vast majority of the Littleover conveyancing searches are non-obligatory. Your lawyer will ’encourage you, perhaps strongly, that you should have searches completed, but he is duty bound to do this. Do consider; if you are intend to dispose of the house at a future date, it may be of importance to your future buyer what the searches determine. Sometimes properties with functional issues can still throw up unpredicted search results. A good conveyancing solicitor in Littleover will provide you some helpful guidance concerning this.

My grandfather passed away 10 months ago and as sole heir and executor I was left the house in Littleover. The house had a relatively small loan left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to Kent Reliance, pay off the mortgage. Is this possible?

If you plan to refinance then Kent Reliance will require that you use a conveyancer on the Kent Reliance conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Kent Reliance conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Kent Reliance mortgage is registered as a charge at the Land Registry.

How does conveyancing in Littleover differ for new build properties?

Most buyers of new build residence in Littleover approach us having been asked by the builder to exchange contracts and commit to the purchase even before the house is finished. This is because builders in Littleover typically acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Littleover or who has acted in the same development.

I decided to have a survey completed on a house in Littleover before appointing lawyers. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some mortgage companies tend not give a mortgage on such a house.

It varies from the lender to lender. Bank of Scotland has different instructions for example to Halifax. If you call us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Littleover. Conveyancing may be slightly more expensive based on your lender's requirements.

Am in the process of buying my 1st property in Littleover. Conveyancing solicitor has been appointed. The financial consultant pointed out that a survey is not appropriate as the house was only constructed in 1997.

At the very least you should have a Home Buyer's Report. Given the property is over ten years old the property will be without a warranty, so you don't want to take a risk. For a property that age with no signs of defects a Home Buyer's report may be sufficient. They will highlight any apparent issues and recommend additional investigation where appropriate. Where there are any indications of material issues get a comprehensive Building Survey from the beginning.