I am in need of a property lawyer. Should I go for for a national conveyancer as opposed to a family Astwood Bank conveyancing lawyer?
Established third party relationships is an important consideration when appointing conveyancing solicitors. Astwood Bank conveyancers benefit from long term relationships with financial advisers and estate, local authorities, valuers and other conveyancing firms meaning you will move in shortest possible time. Hosting years of experience in the local area also helps too.
I note that there are debates on Chancel Insurance on online forums. Do I need this when buying a residence in Astwood Bank? or I am told that there is a law dating back centuries that means some owners of property residing in a parish church boundary will be compelled to pay for repairs towards the chancel in proximity to the church. Is this suitable for conveyancing in Astwood Bank?
Unless a prior acquisition of the premises took place post 12 October 2013 you can assume that conveyancing practitioners delivering conveyancing in Astwood Bank to remain encouraging a chancel search and or chancel repair liability insurance.
I own a 4 bedroom Edwardian property in Astwood Bank. Conveyancing solicitor represented me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?
You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Astwood Bank and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing practitioner who conducted the conveyancing.
I've recently found out that there is a flying freehold issue on a house I put an offer in a fortnight ago in what was supposed to be a simple, no chain conveyancing. Astwood Bank is where the house is located. What do you suggest?
Flying freeholds in Astwood Bank are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Astwood Bank you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Astwood Bank 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 premises.
My brother has suggested that I use his conveyancers in Astwood Bank. Should I find my own property lawyer?
No doubt the ideal way to select a conveyancing lawyer is to have feedback from friends or family who have actually used the firm you're contemplating using.
My husband and I are buying a four bedroom housein Astwood Bank with a mortgage from a mortgage company. We have selected a lawyer in Astwood Bank however our mortgage company advise she’s not on their "panel". We have to appoint one of the our mortgage company panel firms or keep our Astwood Bank solicitor and incur the extra costs for one of their panel ones to represent our mortgage company. This seems very unfair; Can we not simply insist that our mortgage company use our Astwood Bank lawyer?
Unfortunately,no. The bank home loan issued is subject to conditions, one of which will be that solicitors will on the lender's conveyancing panel. Until recently, most banks had open panels, including most conveyancing solicitors in Astwood Bank : a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for your lender.