It is is a decade since I acquired my house in Aberaeron. Conveyancing solicitors have recently been instructed on the sale but I am unable to track down my title documents. Will this cause complications?
Don’t worry too much. Firstly the deeds may be retained by the lender or they could still be with the lawyers who oversaw the purchase. Secondly in most cases the property will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. The vast majority of conveyancing in Aberaeron relates to registered property but in the unlikely event that your property is not registered it is more problematic but is not insurmountable.
How do I find out if the solicitor handling my conveyancing in Aberaeron is on the bank’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Godiva Mortgages Ltd thus spending £192.00 in further legal bill.
Feel free to make the most of the find a conveyancing panel solicitor tool on this page. Please choose the lender and type ‘Aberaeron’ or your location and you will be presented with a number of lawyer offices in Aberaeron or nearest you.
I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to have this when purchasing a house in Aberaeron? or I am told that there is historic law that could mean that house owners living in a parish church boundary will be compelled to pay for maintenance to the chancel within the church. Is this a legitimate concern for conveyancing in Aberaeron?
Unless a prior purchase of the house took place post 12 October 2013 you could expect lawyers delivering conveyancing in Aberaeron to continue to suggest a chancel search and or insurance against a claim.
Yesterday I discovered that there is a flying freehold element on a house I put an offer in two weeks back in what was supposed to be a simple, chain free conveyancing. Aberaeron is where the house is located. Can you shed any light on this issue?
Flying freeholds in Aberaeron are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Aberaeron you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Aberaeron may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
I'm converting the mortgage on my existing property to a buy to let loan with Barclays Direct and I will use the ballance of the raised equity as a down payment on further property. The area we are looking at is Aberaeron. Will your conveyancers be able to act for both sets of mortgage companies and link together the conveyances?
Make use of our comparison tool on this page to be sure that the conveyancers are approved by both lenders. Having checked that they are your conveyancer will be able to simultaneously deal with the two transactions but you should have a chat with you solicitor and make clear your desired outcome and needs.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the bank conveyancing panel. My lawyer has said that they are on the bank approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the mortgage company conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the bank solicitor panel.