It is is a decade since I acquired my home in Blagdon. Conveyancing lawyers have now been retained on the sale but I can't locate the title documents. Will this cause complications?
Don’t worry too much. Firstly there is a chance that the deeds will be kept by your mortgage company or they may be in the possession of the lawyers who acted in the purchase. Secondly in most cases the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. The vast majority of conveyancing in Blagdon involves registered property but in the unlikely event that your home is unregistered it adds to the complexity but is resolvable.
My wife and I purchasing a 3 bedroom semi in Blagdon. The intention is to carry out an extension to the side at the property.Will legal work on the property involve enquiries to ascertain if these works are prohibited?
Your solicitor should review the registered title as conveyancing in Blagdon can occasionally identify restrictions in the title deeds which prevent categories of changes or require the consent of a 3rd party. Some additions require local authority planning consent and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.
My partner and I have arranged a further advance on our mortgage from Aldermore as we want to conduct improvements to our home in Blagdon. Are we obliged to select a nearby Blagdon solicitor on the Aldermore conveyancing panel to handle the paperwork?
Aldermore don't usually require a member of their approved list of lawyers to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Aldermore list.
The formalities of my remortgage has taken place for my property in Blagdon. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I have been told that property searches are a common cause of hinderance in Blagdon conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) released conclusions of research by MoveWithUs that conveyancing searches do not figure within the top 10 causes of hindrances during the legal transfer of property. Searches are unlikely to feature in any delay in conveyancing in Blagdon.
Despite weeks of looking the Title Certificate and documents to my home can not be found. The solicitors who did the conveyancing in Blagdon 4 years ago have long since closed. What do I do?
As long as the title is registered the information relating to your ownership will be recorded by the Land Registry with a Title Number. It is easy to execute a search at the Land Registry, identify your property and secure up to date copies of the Registered Entries for a small fee. Where the property is Leasehold then the Land Registry will usually hold a certified duplicate of the Registered Lease and again, a copy can be retrieved for twenty pounds.
How does conveyancing in Blagdon differ for new build properties?
Most buyers of new build premises in Blagdon come to us having been asked by the builder to sign contracts and commit to the purchase even before the house is built. This is because builders in Blagdon usually acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Blagdon or who has acted in the same development.
My uncle purchased his flat in Blagdon Six years ago. He has been married, widowed and is now remarried. He will be marketing the property this May. I believe he will just be requested to supply copies of the marriage certificates to the lawyer but he is anxious it could hold up the sale of the flat. Is it worth updating the Land Registry details for the property?
The is no need to bring up to date the register providing you have the proof needed to show how the name change occurred.
Any buyer’s solicitor will examine the registered information and need evidence to establish the change of name for example marriage documentation.