If I am purchasing a property in Salford, is it necessary to order a chancel liability search?

Aston Cantlow (PCC) v Wallbank in 2003 has prompted almost every conveyancing solicitor in Salford to order chancel searches. Indemnity policies can be arranged if chancel liability is likely to be enforced. Your conveyancing lawyer should provide more details. Church of England properties in Salford where chancel liability may apply include parish data base.

i am buying a new build house in Salford with a mortgage from . The developers refused to reduce the amount so I negotiated 6k of extras instead. The estate agent suggested that I not to tell my conveyancer about the extras as it will impact my mortgage 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.

I have been on the look out for a ground for flat up to £195,000 and found one close by in Salford I like with a park and transport links in the vicinity, however it's only got 49 years on the lease. There is not much else in Salford in this price bracket, so just wondered if I would be making a grave error buying a short lease?

Should you require a mortgage that many years may be problematic. Discount 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 at least twenty four months you could ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing lawyer regarding this matter.