It is a dozen years since I bought my house in Lymm and Warburton. Conveyancing solicitors have now been retained on the sale but I can't locate the deeds. Is this a major issue?

Don’t worry too much. Firstly the deeds may be with the lender or they may be in the possession of the solicitor who acted in your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Almost all conveyancing in Lymm and Warburton relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.

Will my conveyancing lawyers need to check that the building insurance when buying a house in Lymm and Warburton. My lender is Accord Mortgages

Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 23/9/2024, the requirements read as follows :

My uncle pointed out to me me that in buying a property in Lymm and Warburton there may be a number of restrictions prohibiting external changes to the property. Is this right?

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

I am purchasing a victorian detached house in Lymm and Warburton. We would like to carry out a loft conversion at the house.Will legal due diligence on the property include investigations to see if these alterations were previously refused?

Your property lawyer should review the deeds as conveyancing in Lymm and Warburton can occasionally reveal restrictions in the title deeds which prevent certain changes or necessitated the consent of another owner. Certain works need local authority planning consent and approval in compliance with building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.

We are getting the release of further monies on our mortgage from Co-operative as we intend to conduct alterations to our house in Lymm and Warburton. Are we obliged to choose a nearby Lymm and Warburton solicitor on the Co-operative conveyancing panel to handle the paperwork?

Co-operative do not ordinarily require a member of their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Co-operative list.

My friend advised me that where I am purchasing in Lymm and Warburton I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is usually included in the estimate for your Lymm and Warburton conveyancing searches. It is a large document of about 40 pages, listing and detailing important information about Lymm and Warburton around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Lymm and Warburton Education with plans and statistics, Local Amenities and other useful information about Lymm and Warburton.

I am buying my first flat in Lymm and Warburton benefiting from help to buy. The builders refused to reduce the price so I negotiated £7000 of additionals instead. The property agent suggested that I not reveal to my lawyer about the side-deal as it may put at risk my loan with Barclays Direct. 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.