Completed the sale of my flat in Chobham last August yet the purchaser is telephoning me to moan that her solicitor is waiting to hear from myconveyancer. What are the post completion sale formalities now that I have sold?
Following your sale your lawyer is committed to forward the transfer deeds and all additional paperwork to the purchaser's conveyancer. If applicable, your conveyancer should also evidence that the mortgage has been repaid to the purchasers solicitors. There are no post completion procedures peculiar conveyancing in Chobham.
My wife and I are close to exchanging contracts on the sale of our house in Chobham and according to the buyers it appears that there is a possibility that the property was built on contaminated land. Any local lawyer would know that there is no such problem. For the life of me I don't know why the purchasers used an internet conveyancing firm rather than a conveyancing solicitor in Chobham. We have lived in Chobham for many years we know of no issue. Do we get in touch with our local Authority to obtain clarification that there is no issue.
It sounds as though you may have a conveyancing lawyer already. Are they able to advise? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
Are there restrictive covenants that are commonly identified during conveyancing in Chobham?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Chobham. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am buying my first flat in Chobham with a mortgage from Nottingham Building Society. The builders would not reduce the price so I negotiated £7000 of fixtures and fittings instead. The house builders rep told me not to tell my solicitor about the deal as it could adversely affect my mortgage with the 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.
I opted to have a survey completed on a house in Chobham prior to appointing solicitors. I have been informed that there is a flying freehold element to the property. Our surveyor advised that some lenders will not give a loan on this type of premises.
It varies from the lender to lender. HSBC has different requirements from Birmingham Midshires. Should you wish to call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Chobham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Chobham to see if the conveyancing costs will increase in light of this.
What can I do to find out who is the owner of a house in Chobham?
On the basis that the property is recorded at HM Land Registry, and you have sufficient information of the address of the property, you should be able to view details from the HMLR of the registered owner for a fee.