Can I use your services to find a Conveyancing solicitor in Todmorden even where I’m not purchasing or disposing of a house, for instance where I intend to acquire a shop in Todmorden with a mortgage from Godiva Mortgages Ltd?

Our search tool is predominantly there to select residential conveyancing solicitors in Todmorden but we have recorded at the end of this page a few Todmorden commercial conveyancing firms. You should make contact with the firm directly to establish if they are also authorised to represent Godiva Mortgages Ltd

Have purchased a a detached house in Todmorden , What is the estimated time for the Land Registry to deal with the formalities evidencing my title? My Todmorden conveyancing solicitor works at snail pace, so I want to be sure that my purchase is registered.

As far as conveyancing in Todmorden registration is no faster or slower than anywhere else in the country. As opposed to being determined by geographic area, timeframes can adjust according to the party submitting the application, whether there are errors and if the Land registry communicate with any interested persons or bodies. At present in the region of three quarters of submission are fully addressed in less than three weeks but some can be subject to protracted hold-ups. Historically registration occurs once the purchaser has moved in to the property thus registration formalities is not always an essential issue yet if it is urgent that the the registration takes place urgently then you or your conveyancer must communicate with the Registry to express the reasoning for the application to be prioritised.

I am buying my first flat in Todmorden with the aid of help to buy. The builders refused to budge the amount so I negotiated five thousand pounds worth of extras instead. The sale representative suggested that I not to tell my lawyer about the side-deal as it would adversely affect my loan with the lender. Do I keep my lawyer in the dark?.

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.

Over the last few months I have been searching for a ground for flat up to £245,000 and identified one close by in Todmorden I like with amenity areas and transport links in the vicinity, however it only has 49 years on the lease. There is not much else in Todmorden for this price, so just wondered if I would be making a mistake acquiring a lease with such few years left?

If you need a mortgage the shortness of the lease will be an issue. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for a minimum of 2 years you could ask them to start the process of the extension and then assign it to you. You can add 90 years to the current lease with a zero ground rent applied. You should speak to your conveyancing solicitor regarding this.

Do you have any top tips for leasehold conveyancing in Todmorden with the purpose of saving time on the sale process?

• A significant proportion of the frustration in leasehold conveyancing in Todmorden can be avoided if you appoint lawyers as soon as your agents start advertising the property and ask them to put together the leasehold information needed by the purchasers’ conveyancers.
A minority of Todmorden leases require Licence to Assign from the landlord. If this applies to your lease, it would be prudent to place the estate agents on notice to make sure that the purchasers obtain bank and professional references. Any bank reference will need to confirm that the buyers are able to meet the yearly service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the service charge figures so that they can pass this information on to the purchasers or their solicitors. Many freeholders or Management Companies in Todmorden charge for supplying management packs for a leasehold home. You or your lawyers should find out the actual amount of the charges. The management information sought as soon as you have a buyer, thus accelerating the process. The average time it takes to obtain the necessary information is three weeks. It is the most common reason for frustration in leasehold conveyancing in Todmorden. If you have the benefit of shareholding in the freehold, you should make sure that you hold the original share document. Arranging a replacement share certificate is often a lengthy process and slows down many a Todmorden home move. Where a new share is required, do contact the company director and secretary or managing agents (where relevant) for this at the earliest opportunity.

Leasehold Conveyancing in Todmorden - Examples of Questions you should consider Prior to buying

This information is useful as a) areas may cause problems in the block as the common areas may begin to deteriorate where repairs are not paid for b) if the leasehold owners have an issue with the managing agents you will wish to have complete disclosure What prohibitions are there in the Todmorden Lease? Who manages the building?