I am acquiring a property without a mortgage in Aston. I have lived for the previous 15 years in Aston. Conveyancing searches are a lot of money. Given that I have knowledge of the road and vicinity intimately should I not bother getting the solicitor to do all the conveyancing searches?
If you not getting a mortgage, then the vast majority of the Aston conveyancing searches are optional. Your conveyancer will 'advise', perhaps strongly, that you should have searches completed, but she is duty bound to do this. One thing to take into account; if you are going to dispose of the house one day, it will be of interest to your prospective purchaser what the searches contain. On occasion properties with day to day issues can still show up unfavourable search results. A good conveyancing solicitor in Aston will provide you some practical guidance in this regard.
It is 10 years ago since I bought my house in Aston. Conveyancing solicitors have now been retained on the sale but I am unable to track down the title documents. Will this jeopardise the sale?
You need not be too concerned. Firstly the deeds may be retained by your lender or they may be archived with the conveyancers who oversaw your purchase. Secondly the likelihood is that the title will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers acquiring up to date copy of the land registers. Nearly all conveyancing in Aston involves registered property but in the unlikely event that your home is unregistered it is more of a problem but is not insurmountable.
I am selling my house in Aston. Will my solicitor need to be on the Skipton conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Skipton conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently in recent years.
Have completed on a a semi-detached house in Aston , What is the estimated time for the Land Registry to deal with the formalities evidencing my ownership? My Aston conveyancing solicitor has been painfully slow, so I want to be sure the land registry aspects are addressed.
There is nothing unique when it comes to conveyancing in Aston registration formalities. Rather than based on location, timescales can adjust depending on who lodges the application, whether it is in order and if the Land registry must send notices to any interested parties. At present approximately three quarters of such applications are fully dealt with within two weeks but occasionally there can be longer delays. Historically registration takes place once the new owner is living at the premises therefore post completion formalities is not typically an essential issue yet where there is a degree of urgency associated with the registration then you or your conveyancer must contact the land registry and explain the circumstances.
Yesterday I discovered that there is a flying freehold element on a property I have offered on a fortnight ago in what should have been a quick, chain free conveyancing. Aston is the location of the property. Can you offer any assistance?
Flying freeholds in Aston are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Aston you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Aston may decide 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 am buying a ground floor apartment in Aston. Conveyancing solicitor is waiting for, from the vendor, building insurance documents. This morning I was advised that the owner needs to forward the insurance paperwork for the flat above in addition. Why would my lawyer need to see the insurance for the other flat? Is it strictly required? We have been stalled for the last fortnight…
It is not unheard of in leasehold conveyancing in Aston to find Conveyancing in Aston in a minority of cases reveals that the lease provides for the leasehold owners to insure their individual flats rather than the landlord insuring the whole building - which is definitely preferable. Do double check with your lawyer but it would seem that your conveyancing practitioner is looking to verify that the complete building is insured. Insuring a ground floor flat is no help when it comes to rebuilding after a fire if the other flat cannot be rebuilt as a result of lack of insurance.