It is 10 years ago since I acquired my house in Glossop. Conveyancing solicitors have recently been retained on the sale but I can't locate my title deeds. Will this cause complications?
Don’t worry too much. Firstly there is a possibility that the deeds will be with your lender or they may be archived with the conveyancers who handled your purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Glossop involves registered property but in the rare situation where your property is not registered it is more of a problem but is resolvable.
We are intent on selling our home in Glossop and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any high street Glossop lawyer would know that there is no such problem. For the life of me I don't know why the purchasers are using a web based conveyancing practice rather than a conveyancing solicitor in Glossop. Having lived in Glossop for six years we know of no issue. Is it a good idea to contact our local Authority to obtain confirmation that the buyers are looking for.
It would appear that you 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 ailment)
I am buying my first flat in Glossop benefiting from help to buy. The developers refused to move on the price so I negotiated 6k of fixtures and fittings instead. The estate agent advised me not inform my conveyancer about the deal as it may 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've recently found out that there is a flying freehold issue on a house I have offered on a fortnight ago in what should have been a quick, no chain conveyancing. Glossop is where the house is located. Can you offer any advice?
Flying freeholds in Glossop are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Glossop you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Glossop 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 premises.
Are there any apps to assist me to locate a Glossop law firm on the Aldermore conveyancing panel? I drive a motor bike and am willing to travel upto 20kilometers to meet the lawyer.
You can use the facility on this website. Please pick a mortgage company and your location and you will see a number of Glossop conveyancing lawyers based on proximity. We have listed some Glossop conveyancing firms at the bottom of this page and you can contact them to check whether they are on the Aldermore approved list
My financial adviser has suggested using their conveyancing practitioner for my conveyancing in Glossop - Surely it’s easier to just use them?
You need to establish if the estate agent is recommending a conveyancing practitioner or introducing to a solicitor. There are plenty of Glossop estate agents who recommend two or three Glossop conveyancing firms and get nothing from it.