It is 10 years ago since I purchased my property in Brinsworth. Conveyancing lawyers have now been retained on the sale but I can't find the title deeds. Is this a major issue?
You need not be too concerned. Firstly there is a chance that the deeds will be retained by the mortgage company or they could be in the possession of the lawyers who handled your purchase. Secondly the chances are 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 solicitors acquiring up to date copy of the land registers. Nearly all conveyancing in Brinsworth involves registered property but in the rare situation where your home is unregistered it adds to the complexity but is resolvable.
Do the Building Society Association intend to launch a online directory to to identify law firms on the Loughborough BS conveyancing panel for example in Brinsworth?
We would not expect to be advised of any intention on the part of the BSA to develop such a tool.
My wife and I are in the process of looking at flats in Brinsworth and I am now considering a potential offer. Is it advisable to have my solicitor on ‘stand by’? I am planning to take a mortgage with HSBC.
It would be prudent to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their contact information on to the selling agent. Given that you are seeking a mortgage with HSBC, make sure you remember to check that your lawyer is on the HSBC conveyancing panel.
I am due to exchange contracts on my flat. I had a double glazing fitted in July 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Bank of Ireland are being a right pain. The Brinsworth solicitor who is on the Bank of Ireland conveyancing panel is saying indemnity insurance will be fine but Bank of Ireland are insisting on a building regulation certificate. Why do Bank of Ireland have a conveyancing panel if they don't accept advice from them?
It is probably the case that Bank of Ireland have referred the matter to their valuer. The reason why Bank of Ireland may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Principality have agreed my mortgage in principle, my bid on a property in Brinsworth has been accepted, now what?
Your property agent will want to be advised as to your conveyancer's details (make sure the lawyers are on the lender’s panel). Call up Principality or your financial adviser and complete any relevant documentation. Principality will appoint a valuer who will get in touch with the selling agent or owners to arrange a time for the valuation to happen. Once conducted (assuming no problems) it takes on average a week to receive the mortgage offer. Principality will send the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Brinsworth.
I'm remortgaging my existing home to a BTL loan with Yorkshire Building Society and intend to use the remaining equity as a down payment on another house. The neighborhood we are looking at is Brinsworth. Will your solicitors be able to act for both sets of mortgage companies and tie in the two deals?
Do use our search tool on this page to ensure that the solicitors are on the appropriate lender panels. Assuming that they are the conveyancer will be able to tie up the two conveyancing matters but you should talk with you solicitor and make clear your expectations and needs.
We're new to the buying process - agreed a price, but the agent informed us that the seller will only issue a contract if we instruct their preferred conveyancers as they are insisting on a ‘quick sale’. We would rather use a high street conveyancer with experience of conveyancing in Brinsworth
We suspect that the owner is not behind this request. Should the seller want ‘a quick sale', alienating a serious purchaser is likely to cause more damage than good. Avoid the agents and go straight to the sellers and make the point that (a)you are genuine purchasers (b)you are excited to move forward, with finances in place © you have nothing to sell (d) you wish to move quickly (e)but you are going to instruct your own,trusted Brinsworth conveyancing lawyers - rather thanthose that will give their negotiator at the agency a referral fee or achieve conveyancing figures set by head office.
What can I do to discover who is the owner of a property in Brinsworth?
As long as the property is registered with the Land Registry, and you have sufficient specifics of the location of the premises, you should be able to obtain details from the HMLR of the registered owner for a for less than a fiver.