I'm purchasing my first flat in West Croydon with a mortgage from Nationwide Building Society. The developers would not budge the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The sale representative suggested that I not to tell my conveyancer about the deal as it could jeopardize 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 opted to have a survey done on a house in West Croydon ahead of instructing solicitors. I have been informed that there is a flying freehold aspect to the house. The surveyor has said that some banks may not give a loan on such a home.

It varies from the lender to lender. HSBC has different requirements from Halifax. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in West Croydon. Conveyancing will be smoother if you use a solicitor in West Croydon especially if they are familiar with such properties in West Croydon.

How easy is it to transfer to a new solicitor as I have to instruct a firm on the Leeds Building Society conveyancing list. I was using a family conveyancing solicitor in West Croydon five minutes from me but he is not approved by Leeds Building Society

It would be our pleasure to assist you select a conveyancing solicitor in West Croydon on the Leeds Building Society panel. Please note that the law firms that we on the directory do not pay us commission if you instruct them and are under regulation of the Solicitors Regulation Authority who regulate all conveyancing solicitors in West Croydon. In making use of search facility on this website, you can scrutinise costs for conveyancing solicitors in West Croydon and throughout England and Wales.

Completion is due on our sale of a £200,000 apartment in West Croydon next Tuesday. The freeholder has quoted £408 for Landlord’s certificate, building insurance schedule and previous years service charge statements. Is it legal for a freeholder to charge such fees for a leasehold conveyance in West Croydon?

West Croydon conveyancing on leasehold apartments typically involves fees being levied by freeholders :

Answering conveyancing due diligence enquiries Where consent is required before sale in West Croydon Supplying insurance information Deeds of covenant upon sale Registering of the assignment of the change of lessee after a sale

Your solicitor will have no control over the level of the charges for this information but the average costs for the information for West Croydon leasehold property is £350. For West Croydon conveyancing transactions it is customary for the seller to pay for these costs. The landlord or their agents are under no legal obligation to answer such questions most will be willing to do so - albeit often at exorbitant prices where the fees bear little relation to the work involved. Unfortunately there is no law that requires fixed charges for administrative tasks. Neither is there any legal time frame by which they are required to supply the information.

I have tried to negotiate informally with with my landlord to extend my lease without getting anywhere. Can the Leasehold Valuation Tribunal adjudicate on such matters? Can you recommend a West Croydon conveyancing firm to act on my behalf?

in cases where there is a missing freeholder or where there is dispute about the premium for a lease extension, under the relevant legislation it is possible to make an application to the Leasehold Valuation Tribunal to arrive at the amount due.

An example of a Freehold Enfranchisement decision for a West Croydon property is 29 Woodstock Road in April 2014. the Tribunal determined that the premiums to be paid into court in respect of the purchase of the freehold registered at HMLR under Title N0.SY3997 should be £7,217. This case affected 4 flats. The unexpired term was 98 years.

Whilst your website is a good idea there are many lawyers listed near West Croydon being on the bank conveyancing panel. Can you recommend a specific firm on the conveyancing panel for our lender?

We are not in the business of recommending one firm above another as the right West Croydon conveyancing firm for you depends on where your priorities lie. For example you may require a local firm with West Croydon knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the the firms listed to gain comfort as to which one is right for you..