I purchased a freehold house in Llanharan but still invoiced for rent, why is this and what is this?

It is rare for properties in Llanharan and has limited impact for conveyancing in Llanharan but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the establishment of new rentcharges from 1977 onwards.

Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence after 2037 will be extinguished.

I have a terraced Victorian house in Llanharan. Conveyancing lawyer represented me and . I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the exact same property. I'd like to know for sure, how can I find out??

You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Llanharan and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with the conveyancing lawyer who conducted the work.

I'm buying my first flat in Llanharan with the aid of help to buy. The sellers refused to budge the amount so I negotiated £7000 of extras instead. The house builders rep told me not disclose to my lawyer about the side-deal as it may put at risk my loan with the lender. Do I keep my lawyer in the dark?.

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.

Due to the input of my in-laws I had a survey completed on a house in Llanharan in advance of retaining solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some lenders may not issue a mortgage on such a house.

It depends who your proposed lender is. Lloyds has different instructions from Nationwide. Should you wish to call us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Llanharan. Conveyancing may be slightly more expensive based on your lender's requirements.

Should I be suspicious by brokers that I am dealing with are recommending a web based conveyancing firm as opposed to a local Llanharan conveyancing practice?

As is the case with many professional services, often referrals from relatives can be worth their weight in gold. Nevertheless there are many people with a vested interest in a conveyancing deal; estate agents, mortgage brokers and lenders might all suggest conveyancers to instruct. Sometimes the conveyancers might be known to one of the organisations as being good in their field, but sometimes there might be a commercial relationship behind the recommendation. You have the discretion to appoint your own lawyer. Don't forget that some mortgage providers specify a panel list of lawyers you must use for the mortgage related work in your conveyancing.