I am buying a property without a mortgage in Tottenham Green. I have lived for the last twelve years in Tottenham Green. Conveyancing searches are exorbitant. Given that I have knowledge of the road and vicinity very well must I have all the conveyancing searches?

If you not getting a home loan, then almost all of the Tottenham Green conveyancing searches are optional. Your lawyer will ’encourage you, perhaps strongly, that you should have searches completed, but he is duty bound to do this. One thing to take into account; if you are likely to sell the house in the future, it could be of interest to your future purchaser what the searches disclose. On occasion premises with functional issues can still show up unfavourable search results. A good conveyancing solicitor in Tottenham Green will be able to give you some sensible guidance in this regard.

I'm buying my first flat in Tottenham Green benefiting from help to buy. The sellers refused to move on the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative suggested that I not reveal to my lawyer about this deal as it may impact my loan with the lender. Do I keep my lawyer in the dark?.

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 decided to have a survey completed on a property in Tottenham Green before appointing lawyers. I have been informed that there is a flying freehold element to the property. Our surveyor has said that some mortgage companies may not grant a loan on this type of premises.

It depends who your proposed lender is. Lloyds has different requirements for example to Nationwide. If you e-mail us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Tottenham Green. Conveyancing may be slightly more expensive based on your lender's requirements.

In what way does the Landlord & Tenant Act 1954 affect my business premises in Tottenham Green and how can your lawyers assist?

The 1954 Act gives security of tenure to commercial leaseholders, giving them the a statutory right to make a request to court for a continuation of occupancy at the end of an expired lease. There are limited grounds that a landlord can refrain from granting a lease renewal and the rules are involved. Fees are different for commercial conveyancing. Tottenham Green is one of our hundreds of locations in which our lawyers have offices

Much to my surprise my solicitor in Tottenham Green is asking me for identification documents asserting that this is part of his legal duty as a conveyancer on the lender Solicitor panel. Can you confirm whether this is the case?

Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offence if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage, your lawyer also has to check ID documents to satisfy the bank. This is not specific to conveyancing in Tottenham Green