I am the registered owner of a freehold house in Chinnor but nevertheless charged rent, why is this and what is this?
It’s unusual for properties in Chinnor and has limited impact for conveyancing in Chinnor 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 creation 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 post 2037 will be dispensed with completely.
We are planning to buy with Darlington Building Society. I called into a few high street practices yet am unable to find a Chinnor conveyancing firm on the Darlington Building Society approved list. Can you help?
Please do make the most of the find a conveyancing panel solicitor tool on this web page. Pick the mortgage company and type Chinnor or your preferred area and you will be presented with a number of lawyer offices in Chinnor or near you.
My uncle informed me that in purchasing a property in Chinnor there could be various restrictions affecting the ability to carry out external alterations to the property. Is this right?
We are aware of a number of properties in Chinnor which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Chinnor should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
The formalities of my purchase has taken place for my property in Chinnor. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Having read lots of mortgage guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Chinnor solicitor - who is on the RBS conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
RBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your property lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Chinnor postcode. As you are getting a mortgage with RBS, you could contact them to see if they have a list of approved surveyors in Chinnor.
It has been 2 months since my purchase conveyancing in Chinnor completed. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £170,000. 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 asset 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.
In what way does the Landlord & Tenant Act 1954 impact my commercial property in Chinnor and how can your lawyers assist?
The 1954 Act provides security of tenure to commercial lessees, granting the a statutory right to apply to court for a renewal lease and remain in occupation when the lease reaches an end. There are certain specified grounds where a landlord can refrain from granting a lease renewal and the rules are complicated. Fees are different for commercial conveyancing. Chinnor is one of our hundreds of locations in which our lawyers are based
Should one as executor remove a departed person's name from the title deeds for a house in Chinnor?
If a Chinnor property is co-owned and one of the proprietors dies, the name will not immediately be removed from the title deeds. You are not required to amend the title as when it comes to a sale you would just need to supply proof why the co proprietor is missing from the contract, normally this takes the form of a grant of probate.
With a view to making the sale conveyancing simpler in the future you can arrange to have the deceased party erased from the title entries by submitting an application to the land registry with evidence of the death. There is no fee from the Registry for this service.