My son is about to exchange on a house that has just been built in Comberton with a home loan from Aldermore. His conveyancer has advised him of a delay in completing the ‘Disclosure of Incentive Form’. Who needs to receive the form?
The document is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Aldermore conveyancing panel as a standard part of the process, and to the surveyor when asked. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Aldermore conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
I am assisting my niece sell her flat in Comberton. Will the solicitor arrange an EPC or it is for the seller to coordinate?
Following the demise of Home Information Packs, EPC’s was retained a mandatory part of moving house. An energy performance certificate must be commissioned prior to the property being marketed. It is not something that law firms normally arrange. Where you are instructing a Comberton conveyancing lawyer they may be willing to arrange energy assessments due to their relationships with long established Comberton accredited person
I am the single recipient of my late father’s estate and I have everything in my name now, including the my former home in Comberton. Conveyancing formalities meant that the Land Registry date was in May. I plan to dispose of the property. I understand that there is a CML six month 'rule', which means that my property ownership could be regarded the same way as though I had purchased the property in May. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be affected by that. How sensible a view mortgage companies take of it, depend on the bank as this clause is primarily there to identify the purchase and immediately sell or the flipping of properties.
I had an offer accepted on a house in Comberton on 17/4/2025, valuation was booked 4 days later, received a clean bill of health. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to TSB and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the TSB conveyancing panel. Can the lender hold off the offer?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for TSB to deal with your lawyer's application to be on the TSB conveyancing panel. There's no guarantee that your solicitor will be accepted.
I'm purchasing a new build house in Comberton benefiting from help to buy. The sellers refused to move on the price so I negotiated £7000 of fixtures and fittings instead. The property agent suggested that I not inform my conveyancer about the side-deal as it may impact my loan with the lender. 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'm remortgaging my current home to a BTL mortgage with The Mortgage Works and intend to use the remaining equity as a deposit on another house. The area we are talking about is Comberton. Will your conveyancers be able to act for the two mortgage companies and tie in the two deals?
Make use of our search tool on this page to check that the lawyers are on the appropriate lender panels. Assuming that they are your solicitor should be able to tie up the two conveyancing matters but you should have a chat with you solicitor and make apparent your desired outcome and requirements.
My husband and I are a couple of weeks into a leasehold purchase having been directed to conveyancers by the selling agent to do our conveyancing in Comberton. We are not happy. Can you help me find new conveyancers?
A solicitor would need to be really bad to suggest changing them. Has the mortgage been sent? In the event that it has you must make them aware of the new contact details and get the offer are issued to the new lawyers. Your conveyancer should be on the banks approved list to avoid added expenses and delays. That should be your first question of the new solicitors. Our search tool can help you find a lender approved solicitor for your home move in Comberton
What makes a Comberton lease defective?
Leasehold conveyancing in Comberton is not unique. Most leases are drafted differently and drafting errors can sometimes mean that certain sections are erroneous. The following missing provisions could result in a defective lease:
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Clauses dealing with recovering service charges for expenditure on the building or common parts. A duty to insure the building
A defective lease can cause problems when trying to sell a property as they can affect a potential buyer’s ability to obtain a mortgage. Halifax, The Mortgage Works, and Aldermore all have very detailed requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease is problematic they may refuse to provide security, forcing the buyer to pull out.
Comberton Conveyancing for Leasehold Flats - A selection of Questions you should ask before Purchasing
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What restrictions are contained in the Comberton Lease? This information is useful as a) areas could cause problems in the block as the common areas may begin to deteriorate where maintenance are not paid for b) if the tenants have an issue with the managing agents you will wish to have complete disclosure How much is the ground rent and service charge?