It is is a decade since I acquired my home in Harrow. Conveyancing lawyers have just been appointed on the sale but I can't locate the title documents. Will this cause complications?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by your lender or they could be in the possession of the solicitor who oversaw your purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining current official copies of the land registers. Most conveyancing in Harrow involves registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
This question may be naive but I am new to the home moving as FTB of a ground floor flat in Harrow. Do I collect the keys to the house on completion from my lawyer? If this is the case, I will appoint a local conveyancing solicitor in Harrow?
On the day of completion you do not need to attend the conveyancers office in Harrow. Your solicitors will transfer the completion advance to the vendor’s lawyers, and shortly after the monies have arrived, you will be invited to collect the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.
We previously appointed solicitors locally in Harrow on the Nottingham solicitor panel. They have just billed me a separate sum for handling the Nottingham mortgage. Is this an additional conveyancing fee set by Nottingham?
Unfortunately, so long as it is in their Terms and Conditions or estimate then yes your lawyer is entitled to levy a fee for this. This fee is not dictated by Nottingham but by your Harrow property lawyer. Some firms on the Nottingham panel will quote an ‘acting for lender’ fee but plenty of practices incorporate it on their overall fee.
Intending to buy a maisonette in Harrow. 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 Clydesdale 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 Harrow lawyer is on the Clydesdale conveyancing panel.
It has been four months following my purchase conveyancing in Harrow took place. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I am looking for a flat up to £305k and found one close by in Harrow I like with open areas and railway links nearby, however it only has 51 years on the lease. I can't really find anything else in Harrow for this price, so just wondered if I would be making a grave error buying a short lease?
If you need a home loan the shortness of the lease will be a potential deal breaker. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the property for a minimum of twenty four months you may request that they start the process of the extension and pass it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this matter.
What does commercial conveyancing in Harrow cover?
Commercial conveyancing in Harrow covers a wide range of guidance, supplied by qualified solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.
A licensed conveyancer handled my conveyancing in Harrow 5 years ago and was holding my registration certificates but has now closed – What can I do to retreive them?
Deeds, as such, no longer exist as most homes in Harrow are archived electronically at Land Registry. Should you need to show ownership or are disposing of or re-mortgaging your conveyancing practitioner will need to obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.