I am acquiring a new build duplex in Ripon and my solicitor is informing me that she is duty bound to the mortgage company to reveal incentives from the developer. I am on a tight deadline to exchange and I have no desire to prolong deal. Is my lawyer right?
You should not exchange unless you have been advised to do so by your conveyancing practitioner. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook provisions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I purchased a freehold premises in Ripon but nevertheless pay rent, why is this and what is this?
It’s unusual for properties in Ripon and has limited impact for conveyancing in Ripon 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 date back hundreds of years, but the Rent Charge Act 1977 barred the creation of new rentcharges post 1977.
Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence post 2037 will be extinguished.
I just bought a property at auction in Ripon. Conveyancing is necessary. What is next?
Now that you have exchanged you should find a conveyancing lawyer quickly as you will have a fast approaching a drop dead date to complete the conveyancing. All auction property should have an associated auction pack. This will include most,if not all of the paperwork that your lawyer requires. In the case of leasehold property the auction papers may contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork relating to leasehold premises. You should give this to your appointed conveyancing solicitor at the earliest opportunity. Do make sure that your finances are in order to complete on the on the contractual date .
I am purchasing a detached bungalow in Ripon. We would like to carry out an extension to the side at the house.Will the conveyancing process involve checks to see if these alterations were previously refused?
Your solicitor should check the registered title as conveyancing in Ripon can occasionally identify restrictions in the title deeds which prohibit categories of changes or require the consent of a 3rd party. Many additions need local authority planning permissions and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor prior to committing yourself to a purchase.
I had an offer accepted on a house in Ripon on 13/5/2026, valuation was booked 3 days later, all came back fine. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to RBS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the RBS conveyancing panel. Are RBS entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for RBS to deal with your lawyer's application to be on the RBS conveyancing panel. There's no guarantee that your solicitor will be accepted.
The deeds to my home can not be found. The lawyers who dealt with the conveyancing in Ripon 4 years ago have long since closed. What do I do?
These day there are copies made of almost everything, and your solicitor will know precisely where to look for all the relevant documentation so you may purchase or dispose of your house without any difficulty. If duplicates can’t be found, your lawyer may be able to arrange cover in the form of insurance or indemnities against possible claims on your property.
I am looking for a leasehold apartment up to £235,500 and found one round the corner in Ripon I like with open areas and station in the vicinity, however it only has 51 remaining years left on the lease. There is not much else in Ripon suitable, so just wondered if I would be making a grave error buying a lease with such few years left?
Should you require a home loan that many years will be a potential deal breaker. Discount the price by the amount the lease extension will cost if it has not already been discounted. If the existing proprietor has owned the premises for at least twenty four months you could ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease and have £0 ground rent by law. You should speak to your conveyancing solicitor about this matter.
I'm remortgaging my primary house to a buy to let loan with Skipton Building Society and intend to use the remaining equity as a down payment on another house. The neighborhood we are interested in is Ripon. Will your solicitors be able to act for both sets of lenders and tie in the transactions?
Do use our search tool on this page to check that the lawyers are on the appropriate lender panels. On the basis that they are the solicitor will be able to tie up the two conveyancing matters but you should talk with you conveyancer and make clear your desired outcome and needs.