It is is a decade since I purchased my property in Milton Keynes Village. Conveyancing lawyers have recently been appointed on the sale but I am unable to track down the deeds. Will this jeopardise the sale?

Don’t worry too much. Firstly there is a chance that the deeds will be with the mortgage company or they may be in the possession of the lawyers who acted in the purchase. Secondly in most cases the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring up to date copy of the land registers. Most conveyancing in Milton Keynes Village relates to registered property but in the unlikely event that your home is not registered it is more of a problem but is not insurmountable.

I am buying my first flat in Milton Keynes Village with the aid of help to buy. The sellers refused to budge the amount so I negotiated £7000 of extras instead. The house builders rep suggested that I not disclose to my conveyancer about this deal as it may impact my mortgage with HSBC Bank. 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.

Due to the guidance of my in-laws I had a survey completed on a house in Milton Keynes Village in advance of instructing conveyancers. I have been informed that there is a flying freehold overhang to the property. My surveyor has said that some mortgage companies may not give a mortgage on this type of home.

It depends who your proposed lender is. HSBC has different requirements from Nationwide. If you e-mail us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Milton Keynes Village. Conveyancing may be slightly more expensive based on your lender's requirements.

My partner has encouraged me to instruct his conveyancers in Milton Keynes Village. Do I take his recommendation?

There are no two ways about it the best way to select a conveyancing lawyer is to have recommendations from friends or relatives who have previously instructed the conveyancer you're are thinking of instructing.

Harry (my fiance) and I may need to let out our Milton Keynes Village 1st floor flat for a while due to a new job. We used a Milton Keynes Village conveyancing practice in 2001 but they have closed and we did not think at the time get any guidance as to whether the lease prohibits the subletting of the flat. How do we find out?

Even though your previous Milton Keynes Village conveyancing solicitor is no longer around you can review your lease to check if it allows you to sublet the premises. The accepted inference is that if the deeds are silent, subletting is allowed. Quite often there is a prerequisite that you are obliged to seek consent via your landlord or some other party prior to subletting. This means that you cannot sublet without prior consent. The consent should not be unreasonably turned down. If the lease prohibits you from subletting the property you will need to ask your landlord for their consent.

Milton Keynes Village Conveyancing for Leasehold Flats - Examples of Questions you should consider Prior to Purchasing

How many of the leaseholders are in arrears for their service charge payments? Plenty Milton Keynes Village leasehold flats will be liable to pay a service bill for maintenance of the block set on behalf of the management company. Where you purchase the apartment you will have to pay this liability, normally quarterly accross the year. This may be anything from two or three hundred pounds to thousands of pounds for buildings with lifts and large communal grounds. In all likelihood there will be a rentcharge for you to pay yearly, this is usually not a exorbitant sum, say about £50-£100 but you should to check as sometimes it could be many hundreds of pounds. What is the yearly maintenance fee and ground rent?