Is it necessary to take out insurance to cover chancel repairs when purchasing a property in West Ruislip?

Unless a previous acquisition of the house completed after 12 October 2013 you may expect conveyancing practitioners carrying out conveyancing in West Ruislip to remain recommending a chancel search and or chancel repair liability insurance.

It has been five months since my purchase conveyancing in West Ruislip took place. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £215,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I am buying a new build house in West Ruislip with a loan from Bank of Ireland. The builders would not budge the price so I negotiated £7000 of fixtures and fittings instead. The property agent suggested that I not to tell my lawyer about this extras as it would adversely affect my mortgage with Bank of Ireland. Should I keep quiet?.

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.

Due to the input of my in-laws I had a survey completed on a property in West Ruislip prior to retaining conveyancers. I have been informed that there is a flying freehold aspect to the house. The surveyor advised that some banks may not give a mortgage on this type of property.

It varies from the lender to lender. Lloyds has different instructions from Halifax. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in West Ruislip. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in West Ruislip to see if the conveyancing costs will increase in light of this.

What does commercial conveyancing in West Ruislip cover?

West Ruislip conveyancing for business premises covers a broad array of services, given by qualified solicitors, relating to business property. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the transfer of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of tenancies.