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Find a Merton Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Merton? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Merton home move at risk of delay or failure.

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Recently asked questions about conveyancing in Merton

A relative suggested that if I am purchasing in Merton I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

This is a search is usually quoted for as part of the standard Merton conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Merton around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Merton Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Merton Education with plans and statistics, Local Amenities and other useful data regarding Merton.

I have a terraced Victorian house in Merton. Conveyancing solicitor acted for me and Barclays Direct. I did a free Land Registry search last week and there are two entries: one for freehold, the second leasehold with the exact same address. Is it worth asking Barclays Direct to clarify?

You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Merton and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing lawyer who conducted the purchase.

I'm buying my first flat in Merton benefiting from help to buy. The builders would not reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent advised me not inform my conveyancer about the side-deal as it could jeopardize my mortgage with Lloyds TSB 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 have been on the look out for a ground for flat up to £235,500 and found one near me in Merton I like with open areas and transport links nearby, the downside is that it only has 51 years on the lease. There is not much else in Merton in this price bracket, so just wondered if I would be making a grave error acquiring a short lease?

If you require a home loan the shortness of the lease may be an issue. Reduce the price by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least 2 years you can ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should speak to your conveyancing lawyer about this.

I am in the market for an affordable conveyancing lawyer in Merton to assist me in selling my apartment. I am aware of the risk of getting ripped off but with various Merton conveyancing organisations to choose from...who's the best?

If you’ve not used a conveyancing practitioner previously, a trustworthy recommendation through family or friends is a great place to start and is often a good barometer of quality. Alternatively, take a look at the client references presented on your solicitor’s website or use our search facility to locate a conveyancing lawyer in Merton.

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