My wife and I are purchasing a new build apartment in Hingham and my conveyancer is telling me that she has to the bank to disclose incentives from the developer. I am nearing the developer’s deadline to exchange contracts and I would rather not prolong deal. Is my lawyer right?
You should not exchange unless you have been advised to do so by your property lawyer. A precondition to being on a bank panel is to comply with the UK Finance Lenders’ Handbook conditions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Hingham. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 17/5/2025, the requirements read as follows :
We are buying a victorian detached house in Hingham. Our aim is to carry out an extension to the side at the house.Will the conveyancing process include investigations to see if these alterations are allowed?
Your solicitor will review the registered title as conveyancing in Hingham will sometimes reveal restrictions in the title documents which prohibit certain alterations or need the permission of a 3rd party. Certain works need local authority planning permissions and approval in accordance building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.
When it comes to mortgage companies such as Aldermore, do Hingham solicitors incur a fee to be on the conveyancing panel?
We are unaware of any lender fees to be on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
After what feels like an age I have had an offer on a maisonette in Hingham accepted, but there is a chain. The owners have offered on on an apartment, but it’s not yet tied up, and are looking at other apartments booked. I have chosen a bricks and mortar conveyancing solicitor in Hingham. What should be my next step? At what stage do I apply for the mortgage with Nottingham?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then valuation, Hingham conveyancing search fees, etc). First, you must check that your lawyer is on the Nottingham conveyancing panel. Regarding the next phase this very much depends on the uniqueness of your case, desire for the property and on the state of the market. During a rising market the majority of buyers will apply for a home loan with Nottingham and arrange for the valuation and only if it comes back ok would they pay their conveyancer to press on with searches.
What will a local search inform me concerning the house we're purchasing in Hingham?
Hingham conveyancing often commences with the submitting local authority searches directly from your local Authority or via a personal search company for instance PSG The local search is essential in every Hingham conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your new home. The search will reveal data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic areas.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The solicitors who conducted the conveyancing in Hingham 5 years ago are no longer around. What are my next steps?
Gone are the days when you need to have the physical deeds to establish that you are the owner of your registered land or property, given that the Land Registry have everything they need in a digital format.
I purchased a flat in Hingham last 18/3/2024 and to date it is still not recorded with the Land Registry. It was part of a development site and my conveyancer told me that it can take over a year to complete the registration formalities. I have contacted HM Land Registry directly and they say that the initial application was cancelled due to questions not being addressed in time. What can I do?
It is your property lawyer that you must get in touch with in order to satisfy any questions which have been raised as part of the registration formalities for your Hingham property. Normal Hingham conveyancing practice includes an undertaking on the part of the seller's lawyer that they will help resolve any question raised by HMLR so it may be a case of taking action to enforce that undertaking if necessary.