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Local authority search

Local authority search

This is carried out as part of the conveyancing process and can reveal any financial charges relating to the property as well as any planning decisions that could affect the property in the future.

RELATED TERMS
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Conveyancing
The process of transferring legal ownership of a property from one party to another.

Property
The rights of ownership. The right to use, possess, enjoy, and dispose of a thing in every legal way and to exclude everyone else from interfering with these rights.

SIMILAR TERMS
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Local taxes
In addition to federal and state taxes, those taxes imposed by local municipalities (such as a city or a county) for its government services.

PREVIOUS AND NEXT TERMS
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Loan processing fee
A charge levied by a lender for accepting a loan application and gathering the supporting paperwork.

Loan ratio
The amount of a loan to the value or selling price of real property.

Loan servicing
The function of collecting loan payments, managing the property tax and insurance escrows, foreclosing on defaulted loans and remitting payments to the investor-beneficiary.

Loan term
The period specified in the promissory note for a borrower to pay a loan, such as a mortgage. Most conventional mortgages have a loan term of 15 or 30 years.

Loan to Value Ratio (LTV)
The ratio of the mortgage loan amount to the property's appraised value or selling price, whichever is less.

Local authority search

Local taxes
In addition to federal and state taxes, those taxes imposed by local municipalities (such as a city or a county) for its government services.

Lock
A lender's guarantee that the mortgage rate quoted will not change for a specific period.

Lock and float
Rate programs offered by companies that allow borrowers to lock in the current interest rate on a mortgage for a specified period of time, while also letting them "float" the rate down if market conditions improve before closing.

Lock-box structure
A structure whereby the rental or debt-service payments are sent directly from the tenant or mortgagor to the trustee

Lock-in
Since interest rates can change frequently, many lenders offer an interest rate lock-in that guarantees a specific interest rate if the loan is closed within a specific time.

This dictionary contains 6433 terms.

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