I purchased a freehold residence in Llanharan but nevertheless invoiced for rent, why is this and what is this?

It’s unusual for properties in Llanharan and has limited impact for conveyancing in Llanharan but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back hundreds of years, but the Rent Charge Act 1977 barred the generation of new rentcharges from 1977 onwards.

Previous rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 is to be dispensed with completely.

I have a 4 bedroom Edwardian house in Llanharan. Conveyancing practitioner acted for me and . I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the matching address. Is it worth asking to clarify?

You should review 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Llanharan and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with the conveyancing practitioner who conducted the conveyancing.

I'm purchasing a new build house in Llanharan with a mortgage from . The builders refused to budge the price so I negotiated £7000 of additionals instead. The sale representative told me not disclose to my solicitor about this side-deal as it would put at risk my mortgage with . 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 decided to have a survey done on a property in Llanharan before retaining lawyers. I have been advised that there is a flying freehold aspect to the house. The surveyor has said that some lenders will not give a loan on this type of premises.

It varies from the lender to lender. Lloyds has different requirements from Birmingham Midshires. If you e-mail us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Llanharan. Conveyancing will be smoother if you use a solicitor in Llanharan especially if they regularly deal with such properties in Llanharan.

Should I be concerned that estate agents that I am dealing with are recommending a national conveyancing firm rather than a High Street Llanharan conveyancing practice?

As is the case with lots of service providers, often suggestions from connections can be extremely useful or valuable. Yet there are lots of parties with a vested interest in a conveyancing matter; estate agents, financial adviser and lenders may put forward lawyers to select. On occasion the lawyers might be known to one of the organisations as experts in their field, but occasionally there is an underlying commercial relationship behind the endorsement. You have the right to choose your preferred lawyer. You need to be aware that some lenders specify a panel list of law firms you are obliged to use for the mortgage aspect of your home move.