It is 10 years ago since I bought my home in Cotham. Conveyancing solicitors have recently been instructed on the sale but I am unable to find the deeds. Will this cause complications?
You need not be too concerned. First there is a possibility that the deeds will be with your mortgage company or they could be in the possession of the solicitor who acted in the purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Almost all conveyancing in Cotham involves registered property but in the rare situation where your property is not registered it adds to the complexity but is not insurmountable.
My home in Cotham is up for sale and I have a purchaser. Does the conveyancer need to be on the Aldermore conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Aldermore conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently currently.
Just bought a semi-detached house in Cotham , how long should it take for the Land Registry to register the transfer to my name? My Cotham conveyancing solicitor works at snail pace, so I want to be sure the registration is addressed.
As far as conveyancing in Cotham registration is no faster or slower than anywhere else in the country. Rather than based on location, timeframes can adjust depending on who lodges the application, whether it is in order and if the Land registry need to notify any interested persons or bodies. At present roughly 80% of submission are completed within two weeks but some can be subject to extensive delays. Registration is effected once the new owner is living at the premises therefore an expedited registration is not typically top priority yet if it is urgent that the the registration takes place urgently then you or your solicitor should contact the land registry and explain the circumstances.
I opted to have a survey carried out on a house in Cotham ahead of retaining conveyancers. I have been told that there is a flying freehold element to the house. My surveyor advised that some banks will refuse to grant a loan on this type of house.
It depends who your proposed lender is. Lloyds has different instructions for example to Nationwide. Should you wish to call us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Cotham. Conveyancing will be smoother if you use a solicitor in Cotham especially if they are accustomed to such properties in Cotham.
Is there anything unique about your site and other internet conveyancing brokers when it comes to conveyancing in Cotham?
At this site receive an accurate costs illustration via a Solicitor or Licensed Conveyancer that understands the issues of your conveyancing in Cotham. As opposed to estate agents and many comparison sites we do not operate referral deals with solicitors. A large number of agents and online brokers 'recommend' solicitors that pays the most commission, not the best value conveyancing in Cotham
I need to find a conveyancing solicitor for purchase conveyancing in Cotham. I have chance upon a web site which seems to have the ideal offering If there is a chance to get all the legals completed via phone that would be preferable. Do I need to be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?