I purchased a semi-detached Edwardian house in Walkington. Conveyancing practitioner acted for me and Virgin Money. I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold with the matching address. If a house is not a freehold shouldn't I have been informed?
You should read 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 Walkington and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the situation with your conveyancing practitioner who conducted the purchase.
I am purchasing my first flat in Walkington with the aid of help to buy. The builders refused to move on the price so I negotiated £7000 of extras instead. The property agent suggested that I not to tell my conveyancer about the extras as it will 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.
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Walkington is where the house is located. What do you suggest?
Flying freeholds in Walkington are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Walkington you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Walkington may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
How easy is it to switch solicitor as I need to instruct a firm on the Barclays conveyancing list. I instructed a family conveyancing solicitor in Walkington five minutes from me but the firm is not approved by Barclays
We will our best to assist in finding you a conveyancing solicitor in Walkington on the Barclays panel. Please note that the property lawyers that we list do not pay us fee if you instruct them and are regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Walkington. Using search facility on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Walkington.
A conveyancing firm acted on my conveyancing in Walkington half a dozen years past and was holding my title documents but has since been shut down – What steps do I now take to retreive these?
Deeds, as such, no longer exist as most homes in Walkington are archived digitally at Land Registry. If you need to show evidence of proprietorship or are disposing of or refinancing your conveyancer will need to obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to firstname.lastname@example.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.