I have given 2 months notice to my current landlord and must vacate my rented flat in Turnham Green by 17/2/2025. Conveyancing for my house purchase is progressing. How realistic is it to complete in 4 weeks as I wish to avoid having to find temporary accommodation?
The normal practice is not to give notice for your letting until you have exchanged. Assuming that you have not already done so, speak to your solicitor and ask them to they chase the owners lawyers, try to get a realistic time scale from them that everyone will look towards
I own a freehold premises in Turnham Green but nevertheless charged rent, why is this and what is this?
It is rare for properties in Turnham Green and has limited impact for conveyancing in Turnham Green 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 many centuries, but the Rent Charge Act 1977 barred the establishment of fresh rentcharges from 1977 onwards.
Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 is to be extinguished.
We are getting a further advance on our mortgage from Aldermore as we wish to carry out alterations to our home in Turnham Green. Do we need to select a local Turnham Green solicitor on the Aldermore conveyancing panel to handle the legals?
Aldermore don't usually instruct firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Aldermore list.
I have today made my last payment due on my mortgage with Aldermore. I assume I don't need a Turnham Green lawyer on the Aldermore panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Aldermore mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Aldermore mortgage from the register. Aldermore, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
Completion of my purchase has taken place for my property in Turnham Green. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I own a 4 bedroom Edwardian property in Turnham Green. Conveyancing practitioner acted for me and Lloyds TSB Bank. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, another for leasehold under the matching property. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register for 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 Turnham Green and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing practitioner who conducted the conveyancing.
I'm buying a new build house in Turnham Green with a mortgage from The Mortgage Works. The sellers would not budge the price so I negotiated £7000 of fixtures and fittings instead. The property agent suggested that I not reveal to my lawyer about the side-deal as it will jeopardize my loan with the lender. 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.
Due to the advice of my in-laws I had a survey completed on a house in Turnham Green prior to instructing lawyers. I have been told that there is a flying freehold element to the property. My surveyor advised that some banks will not issue a mortgage on such a premises.
It depends who your proposed lender is. HSBC has different requirements for example to Nationwide. Should you wish to telephone us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Turnham Green. Conveyancing will be smoother if you use a solicitor in Turnham Green especially if they are acquainted with such properties in Turnham Green.