It is 10 years ago since I bought my house in Campden Hill. Conveyancing solicitors have now been instructed on the sale but I can't track down my title deeds. Is this a major issue?
Don’t worry too much. Firstly there is a chance that the deeds will be retained by your mortgage company or they may stored with the conveyancers who handled the purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors acquiring up to date copy of the land registers. Almost all conveyancing in Campden Hill relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.
I am buying a right to buy a flat in Campden Hill. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing in Campden Hill you will have to appoint a solicitor on your mortgage company's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Campden Hill.
It has been 2 months since my purchase conveyancing in Campden Hill concluded. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I'm buying a new build house in Campden Hill with a mortgage from Nottingham Building Society. The sellers would not budge the price so I negotiated 6k of fixtures and fittings instead. The sale representative told me not reveal to my solicitor about this deal as it would affect my mortgage with the bank. 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.
In what way does the Landlord & Tenant Act 1954 impact my business premises in Campden Hill and how can your lawyers assist?
The particular law that you refer to gives protection to business tenants, giving them the right to make a request to court for a continuation of occupancy at the end of an expired lease. There are limited grounds that a landlord can refuse a lease renewal and the rules are complex. Fees are different for commercial conveyancing. Campden Hill is one of the numerous areas of the UK in which our lawyers have offices
Would local authority permission be required to split a house into two appartments in Campden Hill? This has been carried out to a property opposite to my home in Campden Hill and was ignorant of the conversion until it was complete.
Planning Permission yes. Building Reg Approval yes.