Do I have to visit the offices of the solicitor to sign the mortgage deed? If so, I will choose one who does conveyancing in Houghton Le Spring so that I can attend their offices if required.

These days approved lawyers for mortgage companies conduct all of the communications through Royal Mail, internet or over phone calls. This means that they can undertake the legal work for your home move no matter where you live in England or Wales. However you can check if you can still book an appointment to visit conveyancing lawyer if needed.

I own a renovated Victorian property in Houghton Le Spring. Conveyancing solicitor acted for me and Yorkshire Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold with the exact same address. Is it worth asking Yorkshire Building Society to clarify?

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 Houghton Le Spring 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 lenders. You can also question the position with the conveyancing lawyer who conducted the conveyancing.

I am buying a new build house in Houghton Le Spring with a mortgage from Virgin Money. The builders would not reduce the price so I negotiated five thousand pounds worth of extras instead. The estate agent told me not to tell my solicitor about this side-deal as it may affect my loan with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder 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 issue on a property I put an offer in a fortnight ago in what should have been a quick, no chain conveyancing. Houghton Le Spring is where the house is located. Is there any guidance you can impart?

Flying freeholds in Houghton Le Spring are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Houghton Le Spring you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Houghton Le Spring may determine 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 premises.

Looking forward to sign contracts shortly on a studio apartment in Houghton Le Spring. Conveyancing lawyers inform me that they report fully on Monday. What should I be looking out for?

The report on title for your leasehold conveyancing in Houghton Le Spring should include some of the following:

Whether your lease has a provision for a sinking fund for major repairs? You should know if the lease permits you to change or improve anything in the flat- you must know whether it applies to all alterations or limited to structural alteration, and whether consent is required Whether the landlord has obligations to ensure rights of quiet enjoyment over your property and do you know what it means in practice? Your conveyancers should enable you to have an understanding of the insurance requirements Additions to the premises

Houghton Le Spring Leasehold Conveyancing - Examples of Questions you should ask before buying

Is there a share of the freehold? Are any of leasehold owners in arrears of their service charge payments? How much is the ground rent and service charge?