Despite weeks of looking the Title Certificate and documents to our house are lost. The conveyancers who handled the conveyancing in Needham Market 10 years ago no longer exist. What do I do?
Assuming you have a registered title the details of your ownership will be recorded by the Land Registry under a Title Number. It is possible to execute a search at the Land Registry, locate your property and secure up to date copies of the Registered Entries for less than a fiver. If the title is Leasehold then the Land Registry will in most cases hold a file duplicate of the Registered Lease and again, a copy can be obtained for £20 inclusive of VAT.
I am buying a new build house in Needham Market benefiting from help to buy. The developers would not reduce the amount so I negotiated 6k of extras instead. The sale representative advised me not disclose to my lawyer about the extras as it would put at risk my loan with . Is this normal?.
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.
I opted to have a survey completed on a house in Needham Market before appointing conveyancers. I have been told that there is a flying freehold overhang to the property. Our surveyor advised that some mortgage companies tend not give a loan on such a home.
It varies from the lender to lender. Bank of Scotland has different requirements from Halifax. Should you wish to telephone us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Needham Market. Conveyancing will be smoother if you use a solicitor in Needham Market especially if they are acquainted with such properties in Needham Market.
In my capacity as executor for the will of my aunt I am disposing of a house in Neath but reside in Needham Market. My solicitor (who is 300 kilometers from merequires that I sign a statutory declaration prior to the transaction finalising. Could you suggest a conveyancing practitioner in Needham Market who can witness this legal document for me?
strictly speaking you should not be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will be fine regardless of whether they are based in Needham Market
Our sealed bid on detached house in Needham Market has been agreed to, the owner does nevertheless have an associated purchase. The owners have offered on a flat, but it’s not yet agreed to, and are looking at other apartments in the pipeline. I have selected a nearby conveyancing lawyer in Needham Market. What do I do now? When should I get the mortgage application with going with ?
It is standard to have concerns where there is an associated chain given your reluctance to be too out of pocket too early (home loan application is approx £1k, then valuation, Needham Market conveyancing search fees, etc). First, you should check that your is on the conveyancing panel. Concerning the next steps this very much depends on the circumstances of your transaction, desire for the property and on the state of the market. In a hot market some purchasers will apply for a home loan with and pay for the survey and only if it comes back ok would they ask their to move forward with searches.