Do I need to pay for insurance to address the risk of chancel repairs when buying a property in Northallerton?

Unless a previous purchase of the premises completed after 12 October 2013 you could take it that solicitors carrying out conveyancing in Northallerton to continue to advocate a chancel search and or insurance against a claim.

My wife and I own a terraced Georgian house in Northallerton. Conveyancing lawyer acted for me and National Westminster Bank. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?

You need to 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 Northallerton and other areas of the country and poses no real issues for owners other than when they remortgage 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 carried out the work.

I'm purchasing my first flat in Northallerton benefiting from help to buy. The sellers refused to move on the price so I negotiated five thousand pounds worth of extras instead. The house builders rep told me not inform my conveyancer about the side-deal as it will put at risk my loan with the bank. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer 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'm refinancing my current house to a buy to let mortgage with Norwich and Peterborough Building Society and I will use the rest of the raised equity as a deposit on a second house. The location we are talking about is Northallerton. Will your conveyancers be able to act for both sets of banks and tie in the two deals?

Do use our search tool on this site to ensure that the conveyancers are on the appropriate lender panels. Assuming that they are the lawyer will be able to connect the two conveyancing matters but you should have a chat with you conveyancer and make clear your desired outcome and needs.

We are 3 weeks into a leasehold purchase having been referred to a firm by the estate agent to handle our conveyancing in Northallerton. I am am extremely dissatisfied with the level of service. Can you help me find new lawyers?

They would have to be very bad to suggest diss instructing them. Has your mortgage offer been sent? If so you will need to make them aware of the new solicitor and get the mortgage documents are re-issued. The solicitor ideally should be on the banks approved list to avoid supplemental expenses and frustration. So that should be your starting point. Our find a solicitor tool can help you find a lender approved conveyancer for your home move in Northallerton