I am the registered owner of a freehold house in Altrincham yet charged rent, why is this and what is this?
It is rare for properties in Altrincham and has limited impact for conveyancing in Altrincham 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 have existed for many centuries, but the Rent Charge Act 1977 barred the generation of fresh rentcharges from 1977 onwards.
Old rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence in 2037 will be extinguished.
Do I have to have a meeting at the offices of the solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in Altrincham so that I can attend their offices when needed.
As opposed to twenty years ago, the vast majority banks no longer oblige their conveyancing panel solicitor to witness the mortgagors signature. It will still be necessary for you to provide ID documents and there are still distinct advantages to using a locally based ayer, in your case a conveyancing solicitor in Altrincham.
I am buying a end of terrace house in Altrincham. The intention is to an extension at the rear at the property.Will the conveyancing process include investigations to see if these alterations are allowed?
Your conveyancer will check the registered title as conveyancing in Altrincham will occasionally reveal restrictions in the title deeds which prevent certain works or need the permission of a 3rd party. Many works need local authority planning consent and approval in compliance with building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be wise to check these things with a surveyor ahead of any purchase.
My conveyancer has informed me that restrictive coveneant insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Altrincham?
The right level of restrictive coveneant indemnity insurance depends on your lender. It would differ for example between Lloyds TSB Bank and Virgin Money. Conveyancing practitioners as opposed to borrowers take out such insurances.
We are getting the release of further funds on our mortgage from RBS as we intend to conduct a loft conversion to our house in Altrincham. Do we need to appoint a local Altrincham solicitor on the RBS conveyancing panel to handle the legals?
RBS would not normally instruct firms on their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the RBS list.
I am purchasing a new build house in Altrincham with the aid of help to buy. The developers would not budge the amount so I negotiated 6k of extras instead. The house builders rep advised me not reveal to my lawyer about this side-deal as it may put at risk my loan with Chelsea Building Society. Should I keep quiet?.
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.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on last month in what should have been a quick, chain free conveyancing. Altrincham is where the house is located. Can you offer any advice?
Flying freeholds in Altrincham are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Altrincham you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Altrincham may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I acquired a house in Altrincham last 9/6/2025 and to date it is still not recorded with the Land Registry. It was part of a new estate and my solicitor told me that it may take 12 months to register. I have spoken with HM Land Registry directly and they say that the initial application was cancelled due to failure to reply to requisitions. Do I need to be concerned?
get in touch with your conveyancer - if you are not getting sensible responses, look up their internal complaints protocol and amplify your concerns to a Complaints Manager. Registrations for Altrincham conveyancing are not known to be particularly slow.