I am the registered owner of a freehold property in Rawcliffe but still invoiced for rent, why is this and what is this?
It’s unusual for properties in Rawcliffe and has limited impact for conveyancing in Rawcliffe 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 hundreds of years, but the Rent Charge Act 1977 barred the generation of fresh rentcharges post 1977.
Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 will be dispensed with completely.
I am helping my step-mother sell her property in Rawcliffe. Will the conveyancing solicitor order an energy assessment or it is for the owner to see to?
Following the abolition of Home Information Packs, EPC’s was maintained a mandatory element of selling a house. An energy assessment should be to hand before the property is put on the market. It is not something that lawyers ordinarily arrange. If you are instructing a Rawcliffe conveyancing lawyer they might be willing to arrange EPC’s given their contacts with long established local accredited person
I've read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Rawcliffe solicitor - who is on the HSBC conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
HSBC will need an independent valuation of the property. Your lawyer will not arrange this. Usually HSBC 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 conveyancing practitioner 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 Rawcliffe postcode. As you are getting a mortgage with HSBC, you could contact them to see if they have a list of approved surveyors in Rawcliffe.
Aldermore have agreed my home loan in principle, my offer on a property in Rawcliffe has been accepted, what happens next?
The property agent will need to be advised as to your lawyer's details (be sure the conveyancing practitioners are on the bank’s panel). Call up Aldermore or the financial adviser and complete any appropriate paperwork. Aldermore will sellect a valuer who will get in contact with the selling agent or owners to book a time for the valuation to occur. Once conducted (assuming no problems) it takes approximately a fortnight for the mortgage offer to be issued. Aldermore will send the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Rawcliffe.
I have a semi-detached Georgian house in Rawcliffe. Conveyancing solicitor represented me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold with the exact same property. If a house is not a freehold shouldn't I have been informed?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Rawcliffe and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with the conveyancing solicitor who conducted the conveyancing.
I am buying my first flat in Rawcliffe with a loan from The Mortgage Works. The builders would not budge the amount so I negotiated five thousand pounds worth of additionals instead. The house builders rep told me not inform my solicitor about the side-deal as it may affect my mortgage with The Mortgage Works. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer 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.
Yesterday I discovered that there is a flying freehold element on a house I put an offer in a fortnight ago in what was supposed to be a simple, chain free conveyancing. Rawcliffe is where the house is located. What do you suggest?
Flying freeholds in Rawcliffe are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Rawcliffe you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Rawcliffe 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 property.
How does the Landlord & Tenant Act 1954 impact my business premises in Rawcliffe and how can your lawyers assist?
The 1954 Act affords a safeguard to commercial lessees, giving them the legal entitlement to make a request to court for a new tenancy and remain in occupation at the end of the lease term. There are limited grounds where a landlord can refuse a lease renewal and the rules are involved. Fees are different for commercial conveyancing. Rawcliffe is one of the hundreds of areas of the UK in which our lawyers have offices