I am the registered owner of a freehold residence in Twickenham but still charged rent, why is this and what is this?
It is rare for properties in Twickenham and has limited impact for conveyancing in Twickenham 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 creation of fresh rentcharges from 1977 onwards.
Previous rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence post 2037 will be dispensed with completely.
My lawyer in Twickenham has never been on on the Godiva Mortgages Ltd Conveyancing Panel. Is it possible for me to continue with my prefered solicitor even though they are not on the Godiva Mortgages Ltd panel?
The limited options available to you here include:
- Complete the purchase with your preferred Twickenham lawyers but Godiva Mortgages Ltd will need to instruct a solicitor on their list of acceptable firms. This will inevitably rack up the total legal fees as well as result in delays.
- Find a new practitioner to to deal with the purchase, remembering to check they are Convince your conveyancer to use their best endeavours to join the Godiva Mortgages Ltd conveyancing panel
My husband and I are at the point of viewing houses in Twickenham and I am now considering a potential offer. Should I already have a lawyer in place at this point? I am planning to take a home loan with TSB.
It would be wise to commence your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their contact information on to the estate agent. Given that you are obtaining a mortgage with TSB, ask your prospective lawyers if they are on the TSB conveyancing panel otherwise they can't do the mortgage legal work.
After much negotiation I have agreed a price on a house in Twickenham. My mortgage broker suggested a property lawyer. I paid an upfront payment of £225. Soon after, the conveyancing practitioner called me to say that they were not on the Clydesdale conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Clydesdale panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I am selling my apartment. I had a double glazing fitted in May 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Kent Reliance are being pedantic. The Twickenham solicitor who is on the Kent Reliance conveyancing panel is saying indemnity insurance will be fine but Kent Reliance are requiring a building regulation certificate. Why do Kent Reliance have a conveyancing panel if they don't accept advice from them?
It is probably the case that Kent Reliance have referred the matter to their valuer. The reason why Kent Reliance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
What does a local search inform me concerning the property we're purchasing in Twickenham?
Twickenham conveyancing often starts with the ordering local authority searches directly from your local Authority or via a personal search company such as Onsearch The local search plays a central role in most Twickenham conveyancing purchase; that is if you don’t want any unpleasant surprises after you move into your new home. The search should supply data on, amongst other things, details on planning applications applicable to the premises (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 13 subject areas.
Yesterday I discovered that there is a flying freehold issue on a property I put an offer in a fortnight ago in what should have been a straight forward, no chain conveyancing. Twickenham is the location of the property. Can you offer any opinion?
Flying freeholds in Twickenham are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Twickenham you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Twickenham 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.
Given that I will soon spend over three hundred thousand on 3 bedroom house in Twickenham I wish to talk to a solicitor about myconveyancing prior to instructing the firm. Is this something that you can arrange?
This is something that we recommend - we would be happy to talk to you we do not take any clients on without you speaking to the conveyancer due to be conducting your property ownership legalities in Twickenham.There is no ‘factory style conveyancing’ - each client is unique individual, not a file reference. The practices that we put you in touch with believe that the fees you are quoted for residential conveyancing in Twickenham should be the figure that you end up paying.