It is a dozen years since I purchased my home in Sowerby Bridge. Conveyancing solicitors have now been retained on the sale but I am unable to locate my title deeds. Will this cause complications?

You need not be too concerned. First the deeds may be with your lender or they may be archived with the lawyers who acted in your purchase. Secondly in all probability the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in Sowerby Bridge relates to registered property but in the rare situation where your home is unregistered it is more problematic but is not insurmountable.

I got the keys to my flat on 1 January and my personal details are still not registered. Any reason for this? My conveyancing solicitor in Sowerby Bridge said it would be dealt with inside ten days. Are titles in Sowerby Bridge uniquely lengthy to register?

As far as conveyancing in Sowerby Bridge registration is no quicker or slower than the rest of the country. Rather than based on location, timescales can adjust subject to who lodges the application, whether there are errors and if the Land registry must send notices to any third persons or bodies. As of today in the region of three quarters of submission are fully dealt with within 12 days but some can be subject to protracted delays. Historically registration is effected after the purchaser has moved in to the property therefore an expedited registration is not usually an essential issue but if it is urgent that the the registration takes place urgently then you or your lawyers could speak with the land registry and explain the circumstances.

I'm purchasing my first flat in Sowerby Bridge benefiting from help to buy. The developers refused to move on the price so I negotiated 6k of extras instead. The property agent told me not inform my conveyancer about this deal as it may affect my mortgage with Barclays . 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.

I decided to have a survey done on a property in Sowerby Bridge ahead of instructing lawyers. I have been informed that there is a flying freehold element to the property. My surveyor has said that some mortgage companies will not give a loan on such a premises.

It depends who your proposed lender is. Santander has different instructions from Birmingham Midshires. If you contact us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Sowerby Bridge. Conveyancing will be smoother if you use a solicitor in Sowerby Bridge especially if they are accustomed to such properties in Sowerby Bridge.

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At this site obtain an accurate costs illustration via a Solicitor or Licensed Conveyancer that appreciates the nuances for your conveyancing in Sowerby Bridge. As opposed to estate agents and many comparison sites we do not have referral deals with solicitors. A large number of agents and online brokers 'recommend' the firm that pays the highest commission, rather than the best value conveyancing in Sowerby Bridge