It is 10 years ago since I purchased my property in Coxhoe. Conveyancing lawyers have now been retained on the sale but I am unable to track down the deeds. Is this a major issue?
You need not be too concerned. First the deeds may be kept by your mortgage company or they could stored with the lawyers who acted in the purchase. Secondly in most cases the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring up to date copy of the land registers. The vast majority of conveyancing in Coxhoe involves registered property but in the rare situation where your home is not registered it is more tricky but is not insurmountable.
My wife and I have recently appointed a conveyancing solicitor in Coxhoe. I I would like to check whether they are on the Norwich and Peterborough Building Society conveyancing panel. Could you advise?
You should call the lawyer and enquire whether they are on the lender panel. Otherwise you should call Norwich and Peterborough Building Society who may be able to assist.
Forgive me if this question is silly but I am wet behind the ears as FTB of a garden flat in Coxhoe. Do I collect the keys to the house on the completion date from my lawyer? If this is the case, I will instruct a High Street conveyancing solicitor in Coxhoe?
On the day of completion you will not be required to go to the conveyancers office in Coxhoe. Conveyancing lawyers for you will electronically transfer the purchase money to the seller's lawyers, and shortly after the monies have arrived, you will be able to collect the keys from the Estate Agents and move into your new home. Usually this happens early afternoon.
I happen to be the single recipient of my late grandmother’s will with all property in now in my sole name, including the my former home in Coxhoe. The Coxhoe property was put into my name in June. I want to move. I do know about the CML six month 'rule', meaning my property ownership could be considered the same way as though I had purchased the property in June. Will no one buy the property for half a year?
The CML handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be impacted by that. Most lenders would take a sensible view as this clause is principally there to pick up on subsales or the quick reselling of properties.
Intending to buy a apartment in Coxhoe. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Skipton conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Coxhoe conveyancer is on the Skipton conveyancing panel.
Despite weeks of looking the Title Certificate and documents to our property can not be found. The lawyers who dealt with the conveyancing in Coxhoe 10 years ago are no longer around. What are my next steps?
You no longer need to have the physical official documentation to evidence that you own the land or property, given that the Land Registry have everything they need in a digital format.
Over the last few months I have been searching for a ground for flat up to £305k and found one round the corner in Coxhoe I like with a park and station in the vicinity, the downside is that it's only got 51 remaining years left on the lease. I can't really find anything else in Coxhoe suitable, so just wondered if I would be making a mistake buying a short lease?
If you require a home loan the remaining unexpired lease term will be problematic. Reduce the offer by the expected lease extension will cost if not already taken into account. If the existing proprietor has owned the property for at least twenty four months you may ask them to start the process of the extension and pass it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this.
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