I am the only recipient of my late mum's will with all property in now in my sole name, including the house in Harrow Weald. Conveyancing formalities meant that the Land Registry date was in . I plan to dispose of the property. I understand that there is a CML 6 month 'rule', which means that my proprietorship could be treated the same way as if I'd bought the house in . Do I have to wait 6 months to sell?

The Council of Mortgage Lenders’ handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be impacted by that. Some banks would take a sensible view as this provision is principally there to capture subsales or the quick reselling of property.

I have paid off my mortgage with . I assume I don't need a Harrow Weald on the panel to discharge the mortgage at the Land Registry. Please confirm.

If you have finished paying off your mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the mortgage from the register. , and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where has sent the Land Registry the discharge electronically, and
3. has instructed the Land Registry to do so

I have decided to exercise my right to buy my property in Harrow Weald off the council. I have a mortgage agreed with . Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with , you will need to appoint a solicitor on the conveyancing panel.

I acquired my flat on 3 January and the transaction details are still not on the land registry website. Need I be worried? My conveyancing solicitor in Harrow Weald said it should be formalised in a couple of weeks. Are transfers in Harrow Weald particularly slow to register?

There is nothing unique about conveyancing in Harrow Weald registration formalities. Rather than based on location, timeframes can adjust according to the party submitting the application, whether it is in order and whether the Land registry must send notices to any 3rd parties. At present in the region of three quarters of such applications are fully dealt with in less than three weeks but some can be subject to extensive hold-ups. Registration is effected after the new owner is living at the premises thus 'speed' is not typically an essential issue but where it is urgent that the the registration takes place urgently then you or your solicitor can contact the land registry and explain the circumstances.

I'm purchasing my first flat in Harrow Weald with a loan from . The developers refused to budge the price so I negotiated £7000 of additionals instead. The sale representative told me not inform my solicitor about this side-deal as it would adversely affect my loan with the bank. 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.

Hoping to buy a property located in Harrow Weald and I am already nervous. I couldn't find anything specific about Harrow Weald. Conveyancing will be needed in due course but do you know about the Harrow Weald area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Harrow Weald. In the meantime here are some basic statistics that we found

My wife and I purchased a leasehold flat in Harrow Weald. Conveyancing and mortgage went though with no issue. I have received a letter from someone claiming to own the freehold. It included a demand for arrears of ground rent dating back to 1998. The conveyancing solicitor in Harrow Weald who previously acted has now retired. Do I pay?

First contact the Land Registry to be sure that this person is in fact the new freeholder. There is no need to instruct a Harrow Weald conveyancing lawyer to do this as you can do this on the Land Registry website for £3. You should note that in any event, even if this is the rightful landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

I invested in buying a 1 bedroom flat in Harrow Weald, conveyancing having been completed in 1995. Can you give me give me an indication of the likely cost of a lease extension? Equivalent properties in Harrow Weald with a long lease are worth £165,000. The ground rent is £45 yearly. The lease ceases on 21st October 50

With only 50 years remaining on your lease we estimate the price of your lease extension to span between £36,100 and £41,800 plus plus your own and the landlord's "reasonable" professional fees.

The figure above a general guide to costs for renewing a lease, but we are not able to advice on a more accurate figure in the absence of detailed investigations. You should not use the figures in tribunal or court proceedings. There may be other issues that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. You should not take any other action placing reliance on this information before getting professional advice.