A mortgage offer from Santander for the remortgage of my single room garden flat is expected imminently. Can you put forward a low cost conveyancing law firm in West Ruislip?

This site is not designed to assist those in their quest for cut-price fees for conveyancing solicitors in West Ruislip. We can offer you cost effective conveyancing but we do not advertise as being the cheapest. Avoid the trap of appointing organisations enticing you with ninety nine pound conveyancing in West Ruislip. In your best case scenario, in going for cheap conveyancing, you will earn what you pay for and at worst you will end up spending a lot in extras and still not receive the service expected.

I own a terraced Georgian house in West Ruislip. Conveyancing practitioner represented me and Britannia. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the exact same property. I thought I was buying a freehold how can I check?

You should assess the Freehold register you have again and check the Charges Register for 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 West Ruislip and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing lawyer who completed the work.

I'm buying a new build house in West Ruislip benefiting from help to buy. The developers refused to budge the amount so I negotiated 6k of additionals instead. The sale representative told me not reveal to my lawyer about this deal as it would adversely affect my loan with the bank. Should I keep quiet?.

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 am attracted to a couple of flats in West Ruislip which have about forty five years unexpired on the lease term. Will this present a problem?

There are plenty of short leases in West Ruislip. The lease is a right to use the property for a period of time. As a lease shortens the saleability of the lease reduces and results in it becoming more costly to acquire a lease extension. For this reason it is generally wise to increase the term of the lease. Sometimes it is difficult to sell a property with a short lease as mortgage lenders less inclined to grant a loan on properties of this type. Lease extension can be a protracted process. We recommend you get professional help from a conveyancer and surveyor with experience in this arena.

West Ruislip Conveyancing for Leasehold Flats - A selection of Questions you should consider Prior to buying

Most West Ruislip leasehold properties will have a service bill for the upkeep of the building set by the management company. Should you buy the property you will have to pay this charge, normally in instalments accross the year. This could vary from a few hundred pounds to thousands of pounds for buildings with lifts and large common areas. There will also be a ground rent for you to pay annual, ordinarily this is not a exorbitant amount, say approximately £25-£75 but you need to check as on occasion it can be many hundreds of pounds. Does the lease have onerous restrictions? Make sure you investigate if there are any onerous restrictions in the lease. For example some leases prohibit pets being allowed in certain buildings in West Ruislip. If you love the apartmentin West Ruislip but your dog can’t live with you then you will be presented with a hard compromise.

At long last a loan offer from a lender for the refinancing of my 4 bedroom garden flat is expected by the end of next week. Could you suggest a low cost remortgage conveyancing practitioner in West Ruislip ?

You are on the wrong site if you are in need of the lowest fares for conveyancing in West Ruislip. We can offer you value for money conveyancing but we do not aim to work with the cheapest lawyers. Resist the temptation to appoint companies offering £99 conveyancing in West Ruislip.At best, in opting for cheap conveyancing, you will get what you pay for and at worst you will end up invoiced for additional fee and still not get the service expected.