It is 10 years ago since I purchased my house in Chard. Conveyancing lawyers have now been appointed on the sale but I am unable to track down the title deeds. Will this cause complications?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by the mortgage company or they may be in the possession of the conveyancers who handled the purchase. Secondly the likelihood is that 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 acquiring up to date copy of the land registers. Most conveyancing in Chard involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
My colleague advised me that if I am buying in Chard I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is sometimes quoted for as part of the standard Chard conveyancing searches. It is a large report of about 40 pages, listing and setting out important information about Chard around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Chard Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Chard Education with maps and statistics, Local Amenities and other useful data concerning Chard.
How does conveyancing in Chard differ for newly converted properties?
Most buyers of new build premises in Chard contact us having been asked by the builder to sign contracts and commit to the purchase even before the house is constructed. This is because house builders in Chard 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 conveyancers 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 accustomed to new build conveyancing in Chard or who has acted in the same development.
I've recently found out that there is a flying freehold issue on a house I put an offer in last month in what should have been a simple, no chain conveyancing. Chard is where the house is located. Can you offer any guidance?
Flying freeholds in Chard are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Chard 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 Chard may ascertain 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.
Taking into account that I am about to spend £400,000 on a house in Chard I would like to have a conversation with the solicitor regarding thetransaction ahead of appointing the firm. Is this something that you can arrange?
We could not agree more - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer due to be conducting your property ownership legalities in Chard.There is no ‘factory style conveyancing’ - each client is an important person, not a case reference. The solicitors that we put you in touch with believe that the fees you are quoted for your conveyancing in Chard should be the figure that you are charged.
As co-executor for the estate of my aunt I am disposing of a property in Cardiff but reside in Chard. My lawyer (who is 300 miles from mehas requested that I sign a stat dec ahead of the transaction finalising. Could you suggest a conveyancing solicitor in Chard who can witness and place their company stamp on the document?
Technically speaking you are not likely to be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will do regardless of whether they are based in Chard