What does a local search tell me about the property I am buying in Muxton?

Muxton conveyancing often starts with the ordering local authority searches directly from your local Authority or via a personal search company for example Searches UK The local search is essential in every Muxton conveyancing purchase; as long as you wish to avoid any unpleasant once you have moved into your new home. The search should reveal information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic sections.

I have a renovated Edwardian house in Muxton. Conveyancing practitioner represented me and Virgin Money. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold under the matching address. I thought I was buying a freehold how can I check?

You should review 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Muxton 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 buyers. You can also question the position with the conveyancing lawyer who conducted the work.

I'm purchasing a new build house in Muxton with a loan from Skipton Building Society. The sellers would not budge the amount so I negotiated 6k of fixtures and fittings instead. The sale representative suggested that I not inform my lawyer about the side-deal as it would impact my mortgage with the lender. Is this normal?.

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 advice of my in-laws I had a survey completed on a property in Muxton ahead of appointing lawyers. I have been advised that there is a flying freehold aspect to the property. The surveyor advised that some mortgage companies will refuse to give a loan on a flying freehold property.

It depends who your proposed lender is. Bank of Scotland has different requirements from Birmingham Midshires. If you e-mail us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Muxton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Muxton to see if the conveyancing will be more expensive.

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