It is is a decade since I purchased my house in Colchester. Conveyancing solicitors have now been instructed on the sale but I can't find my title documents. Is this a problem?
You need not be too concerned. First the deeds may be kept by the lender or they could be in the possession of the conveyancers who acted in your purchase. Secondly the likelihood is that the title will be registered at the land registry and you will be able to establish that you own the property by your conveyancing solicitors acquiring up to date copy of the land registers. Almost all conveyancing in Colchester relates to registered property but in the unlikely event that your home is not registered it is more of a problem but is not insurmountable.
My bank has recommended a law firm on their panel based in Colchester but I would rather use a conveyancing lawyer in Colchester round the corner to me. Are you able to help?
Far from all Colchester conveyancing practitioners are approved and listed on all lender’s conveyancing panel. Use our search tool to find a Colchester conveyancing firm on the on the bank panel.
We are buying a house and the solicitor has referenced Chancel Repair for which the house may be obligated to contribute to because it falls into the area of such a church. He has recommended insurance. Is this really required for conveyancing in Colchester
Unless a previous acquisition of the property completed post 12 October 2013 you could expect lawyers handling conveyancing in Colchester to remain encouraging a chancel search and or insurance against a claim.
Due to the advice of my in-laws I had a survey completed on a house in Colchester in advance of appointing lawyers. I have been advised that there is a flying freehold overhang to the property. The surveyor has said that some lenders will refuse to give a mortgage on this type of house.
It depends who your proposed lender is. Lloyds has different requirements for example to Halifax. Should you wish to telephone us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Colchester. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Colchester to see if the conveyancing costs will increase in light of this.
I was recommended by a couple of local selling agents in Colchester to locate a property lawyer on your site. Is there a financial incentive for Estate Agents to offer your lawyers over another?
We don’t offer any commission for sending work our way. We found it would be just too difficult to pay a commission as home movers will think, ‘How come the agent getting a kickback? Why am I not getting any benefit too?’ So we decided to step away from that.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the bank conveyancing panel. My lawyer has said that they are on the lender approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the mortgage company conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the bank solicitor panel.