It is a dozen years since I acquired my home in Flitwick. Conveyancing solicitors have now been retained on the sale but I am unable to track down my title documents. Is this a major issue?
You need not be too concerned. First the deeds may be retained by the mortgage company or they may be in the possession of the solicitor who handled your purchase. Secondly the chances are that the property will be recorded 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. Nearly all conveyancing in Flitwick involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
My uncle passed away six months ago and as sole heir and executor I was left the property in Flitwick. The house had a small mortgage remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Co-operative, pay off the mortgage. Is this allowed?
Given you plan to re-mortgage then Co-operative will require that you use a conveyancer on the Co-operative conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Co-operative conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Co-operative mortgage is registered as a charge at the Land Registry.
I am buying a new build house in Flitwick with the aid of help to buy. The developers would not move on the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent advised me not disclose to my lawyer about the extras as it may put at risk my mortgage with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
How do I locate a Flitwick solicitor on the Barclays conveyancing panel? I drive a motor bike and am happy to travel upto 10miles to meet the conveyancer.
You can use the facility on this page. Please select a mortgage company and your location and you will see a number of Flitwick conveyancing lawyers locally. We have detailed some Flitwick conveyancing firms towards the end of this page and you can telephone them to check if they are on the Barclays approved list
I need to retain a conveyancing solicitor for leasehold conveyancing in Flitwick. I happened to stumble upon a web site which looks to be the perfect solution If it is possible to get all formalities done via phone that would be ideal. Do I need to be wary? 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?
I am buying a flat and need a conveyancing solicitor in Flitwick who is on the mortgage company solicitor panel. Can you recommend a Flitwick or local firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for the lender who do conveyancing in Flitwick. We dont recommend any particular solicitor.