I am buying a property and the lawyer has mentioned Chancel Repair for which the property may be liable given it’s proximity to the area of such a church. He has recommended insurance. Is this strictly required for conveyancing in Haverhill

Unless a prior acquisition of the house took place post 12 October 2013 you can assume that lawyers conducting conveyancing in Haverhill to remain recommending a chancel search and or insurance against a claim.

It has been three months following my purchase conveyancing in Haverhill concluded. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £215,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the property from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

Due to the guidance of my in-laws I had a survey completed on a property in Haverhill ahead of instructing conveyancers. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some mortgage companies will refuse to grant a loan on this type of property.

It varies from the lender to lender. Lloyds has different instructions from Birmingham Midshires. Should you wish to telephone us we can investigate further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Haverhill. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Haverhill to see if the conveyancing will be more expensive.

In my capacity as executor for the estate of my grandfather I am disposing of a property in Newport but I am based in Haverhill. My lawyer (approximately 235 kilometers awayhas requested that I sign a statutory declaration before completion. Could you suggest a conveyancing lawyer in Haverhill who can attest this legal document for me?

strictly speaking you should not need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will be fine regardless of whether they are based in Haverhill

What are the common defects that you encounter in leases for Haverhill properties?

Leasehold conveyancing in Haverhill is not unique. Most leases are individual and legal mistakes in the legal wording can result in certain provisions are not included. The following missing provisions could result in a defective lease:

Insurance obligations A provision for the recovery of money spent for the benefit of another party.

A defective lease will likely cause issues when trying to sell a property primarily because it impacts on the ability to obtain a mortgage on the property. Santander, Chelsea Building Society, and Aldermore all have express requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease does not cover certain provisions they may refuse to grant the mortgage, forcing the purchaser to pull out.

Leasehold Conveyancing in Haverhill - Examples of Queries before Purchasing

Best to be warned if a new roof is being put on or some other significant cost is due in the foreseeable future to be shared by the tenants and will materially impact the level of the service fees or result in a specific payment. Be sure to find out if there is anything that is prohibited in the lease. For example some leases prohibit pets being allowed in certain buildings in Haverhill. If you like the flatin Haverhill however your cat can’t live with you then you will be presented with a hard determination. Generally speaking the cost for major works are not incorporated into the service charges, albeit that some managing agents in Haverhill obliged leasehold owners to pay into a reserve fund and this is used to offset against larger repairs or maintenance.