It is is a decade since I acquired my home in Highcliffe. Conveyancing solicitors have recently been appointed on the sale but I can't find my deeds. Is this a problem?
Don’t worry too much. Firstly there is a chance that the deeds will be retained by the mortgage company or they may still be 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 obtaining current official copies of the land registers. Nearly all conveyancing in Highcliffe involves registered property but in the rare situation where your property is not registered it is more problematic but is resolvable.
Is it necessary to take out insurance to address the risk of chancel repairs when purchasing a property in Highcliffe?
Unless a prior acquisition of the house took place after 12 October 2013 you could expect conveyancing practitioners carrying out conveyancing in Highcliffe to continue to suggest a chancel search and or chancel repair liability policy.
My wife and I have a renovated Victorian property in Highcliffe. Conveyancing practitioner represented me and Halifax. I did a free Land Registry search last week and I saw two entries: one for freehold, the second leasehold under the matching property. I thought I was buying a freehold how can I check?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Highcliffe and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the situation with your conveyancing practitioner who conducted the work.
I've recently found out that there is a flying freehold element on a property I have offered on a fortnight ago in what should have been a quick, no chain conveyancing. Highcliffe is the location of the property. Can you offer any guidance?
Flying freeholds in Highcliffe are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Highcliffe you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Highcliffe may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
How simple is it to swap conveyancer as I need to appoint one who is on the Bank of Ireland conveyancing panel. I hired a family conveyancing solicitor in Highcliffe round the corner but the firm is not approved by Bank of Ireland
It would be our pleasure to help you find a conveyancing solicitor in Highcliffe on the Bank of Ireland panel. Please note that the property lawyers that we list do not pay us a referral fee if you instruct them and are registered with the Solicitors Regulation Authority who regulate all conveyancing solicitors in Highcliffe. Using the find a conveyancing solicitor tool on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Highcliffe.
Why do Highcliffe conveyancing charges are more expensive for leasehold and freehold properties?
Leasehold conveyancing in Highcliffe can involve additional due diligence including fully examining the lease, communicating with the landlord, obtaining up to date rent receipts, landlord’s consents, management company’s accounts etc.