Finally the sale completed on my house in Bedford Hill last July but the buyer keeps Skype messaging daily to moan that his solicitor is waiting to hear from mylawyer. What are the post completion sale legalities following completion?

After completion of your sale your lawyer should forward the transfer documentation and all of the paperwork to the buyer’s solicitors. Depending on the transaction, your lawyer should also confirm that the mortgage has been paid off to the purchasers solicitors. There are no post completion requirements just for conveyancing in Bedford Hill.

The deeds to my property are lost. The conveyancers who conducted the conveyancing in Bedford Hill 10 years ago are no longer around. Will I be able to sell the house?

As long as you have a registered title the information relating to your proprietorship will be evidenced by HMLR under a Title Number. It is easy to carry out a search at the Land Registry, identify your property and secure up to date copies of the property title for less than a fiver. If the title is Leasehold then the Land Registry will usually retain a file copy of the Registered Lease and again, a copy can be ordered for a small fee.

I'm buying my first flat in Bedford Hill with a loan from Aldermore. The sellers would not reduce the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent told me not to tell my conveyancer about this deal as it could put at risk my loan with Aldermore. Is this normal?.

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.

I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Bedford Hill is the location of the property. Is there any guidance you can impart?

Flying freeholds in Bedford Hill are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Bedford Hill you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Bedford Hill may ascertain 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.

I've found a house that appears to tick a lot of boxes, at a reasonable figure which is making it more attractive. I have since discovered that the title is leasehold as opposed to freehold. I would have thought that there are particular concerns purchasing a house with a leasehold title in Bedford Hill. Conveyancing lawyers have not yet been appointed. Will my lawyers set out the risks of buying a leasehold house in Bedford Hill ?

Most houses in Bedford Hill are freehold and not leasehold. In this scenario it’s worth having a local conveyancer who is familiar with the area who can help the conveyancing process. We note that you are purchasing in Bedford Hill in which case you should be looking for a Bedford Hill conveyancing solicitor and be sure that they have experience in dealing with leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a tenant you will not be entirely free to do whatever you want with the house. The lease will likely included provisions such as obtaining the landlord’spermission to conduct changes to the property. It may be necessary to pay a maintenance charge towards the maintenance of the communal areas where the property is located on an estate. Your lawyer should advise you fully on all the issues.

I own a basement flat in Bedford Hill. In the absence of agreement between myself and the landlord, can the Leasehold valuation Tribunal determine the amount payable for the purchase of the freehold?

Where there is a missing landlord or where there is dispute about what the lease extension should cost, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the Leasehold Valuation Tribunal to make a decision on the sum to be paid.

An example of a Lease Extension decision for a Bedford Hill property is First Floor Flat 152a Ramsden Road in June 2009. The net result of the tribunals calculation produced a premium payable of £23,975. This case affected 1 flat. The unexpired term as at the valuation date was 56.67 years.