Are there restrictive covenants that are commonly identified as part of conveyancing in Whitehaven?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Whitehaven. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

Due to the encouragement of my in-laws I had a survey completed on a property in Whitehaven in advance of appointing solicitors. I have been told that there is a flying freehold element to the property. Our surveyor has said that some mortgage companies will not give a loan on a flying freehold property.

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

How simple is it to change firm as I have to choose a firm on the Nottingham Building Society conveyancing list. I instructed a family conveyancing solicitor in Whitehaven five minutes from me but he is not accepted by Nottingham Building Society

It would be our pleasure to help you find a conveyancing solicitor in Whitehaven on the Nottingham Building Society panel. Please note that the conveyancers that we list do not pay us a referral fee if you instruct them and are under regulation of the SRA who regulate all conveyancing solicitors in Whitehaven. Using search facility on this page, you can compare and instruct different solicitors and conveyancers both nationally and in Whitehaven.

My husband and I are FTB’s - had an offer accepted, yet the agent has warned us that the vendor will only move forward if we appoint the agent's preferred conveyancers as they are insisting on an ‘expedited deal’. Our preferred option is to instruct a local conveyancer who is accustomed to conveyancing in Whitehaven

It is improbable the owners are behind this. Should the seller want ‘a quick sale', turning down a genuine buyer is is going to put the whole deal at risk. Avoid the agents and go straight to the sellers and make sure they comprehend that (a)you are genuine purchasers (b)you are ready to progress, with finances arranged © you do not need to sell (d) you wish to move quickly (e)however you intend to instruct your preferred Whitehaven conveyancing firm - not the ones that will give the estate agent a commission or achieve conveyancing thresholds demanded by corporate headquarters.

Last October I purchased a leasehold flat in Whitehaven. Am I liable to pay service charges for periods before completion of my purchase?

In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Whitehaven Leasehold Conveyancing - Sample of Queries before Purchasing

It is important to be aware if redecorating or some other significant cost is due in the foreseeable future that will be shared amongst the leasehold owners and will dramatically increase the the service charges or result in a one off payment. What is the yearly maintenance fee and ground rent?