I am hoping to receive a mortgage offer from Halifax. I intend to use a Licensed Conveyancer in Tidworth. Does the Halifax Conveyancing panel exclude conveyancers regulated by the CLC?

The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.

Due to the guidance of my in-laws I had a survey completed on a house in Tidworth in advance of instructing lawyers. I have been informed that there is a flying freehold overhang to the house. My surveyor advised that some banks will refuse to give a mortgage on this type of property.

It varies from the lender to lender. Lloyds has different requirements for example to Halifax. If you contact us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Tidworth. Conveyancing will be smoother if you use a solicitor in Tidworth especially if they are acquainted with such properties in Tidworth.

I am looking into buying my first house which is in Tidworth and I am already nervous. I couldn't find anything specific about Tidworth. Conveyancing will be needed in due course but do you know about the Tidworth area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Tidworth. In the meantime here are some basic statistics that we found

I am hoping to put an offer on a small detached house that appears to tick a lot of boxes, at a great price which is making it all the more appealing. I have just found out that it's a leasehold rather than freehold. I would have thought that there are particular concerns buying a leasehold house in Tidworth. Conveyancing lawyers have are about to be appointed. Will they explain the issues?

Most houses in Tidworth are freehold and not leasehold. This is one of the situations where having a local conveyancer used to dealing with such properties who can assist with the conveyancing process. it is apparent that you are purchasing in Tidworth in which case you should be looking for a Tidworth conveyancing practitioner and check that they are used to advising on leasehold houses. First you will need to check the unexpired lease term. Being a lessee you will not be entirely free to do whatever you want with the house. The lease will likely included provisions for example obtaining the landlord’sconsent to carry out alterations. You may also be required to pay a service charge towards the upkeep of the communal areas where the property is part of an estate. Your conveyancer will advise you fully on all the issues.

Tidworth Conveyancing for Leasehold Flats - Sample of Queries before Purchasing

In the main the outlay for major works are not incorporated into the service charges, although some managing agents in Tidworth require leasehold owners to pay into a sinking fund created for the specific intention of building a fund for larger repairs or maintenance. Best to be warned if a new roof is being installed or some other major work is coming up to be shared amongst the leaseholders and will materially increase the the maintenance charges or necessitate a specific invoice. Who is in charge of the block?

The conveyancing solicitors undertaking our conveyancing in Tidworth has sent papers to review that state the land is unregistered with epitome documents. Surely all properties in Tidworth are registered?

Whilst most properties in Tidworth are now registered with HM Land Registry there are still a few that remain unregistered. Any property in Tidworth that has been purchased since the late 1980’s will have been registered at the HM Land Registry under the compulsory ‘first registration’ scheme. However, if a Tidworth property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Plenty of Tidworth conveyancing practitioners will be familiar with such matters but in the event that uncertainty reigns the prevailing guidance presently seems to be for the current owners to register the title first and thereafter deal with the disposal - this this chain of events will result in a protracted transaction.