It is is a decade since I bought my house in Horsham. Conveyancing lawyers have now been retained on the sale but I can't track down the title deeds. Will this jeopardise the sale?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by the mortgage company or they could still be with the conveyancers who oversaw the purchase. Secondly the likelihood is that the property will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors acquiring current official copies of the land registers. The vast majority of conveyancing in Horsham involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
My Conveyancer in Horsham is not listed on the Nationwide Building Society Approved Panel. Is it possible for me to retain my family solicitor notwithstanding that they are excluded from the Nationwide Building Society list of approved lawyers?
The limited options open to you here include:
- Carry on with your preferred Horsham lawyers but Nationwide Building Society will need to instruct a solicitor on their list of acceptable firms. This will inevitably rack up the total legal fees as well as cause delays.
- Find an alternative solicitor to act in the conveyancing, not forgetting to check they are on the Nationwide Building Society panel
We previously appointed solicitors with offices in Horsham on the UBS solicitor panel. They are now charging me a separate amount for the legal aspects of the UBS mortgage. Is this a supplemental conveyancing fee set by UBS?
As unfair as it may seem, as long as it’s in their Terms of Engagement or Quote then yes your property lawyer is entitled to charge a fee for this. The fee is not dictated by UBS but by your Horsham solicitor. Some firms on the UBS panel will levy an ‘acting for lender’ fee but plenty of firms incorporate it on their overall fee.
I can not fathom if my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Horsham building society branch on various occasions and was told it does not impact the mortgage offer and they will lend. My Horsham conveyancing solicitor - who is on the bank conveyancing panel- called and was told they refuse to lend in accordance with their specific requirements. I simply don't know who is right.
Provided that the conveyancing practitioner is on the lender approved list, they must comply with the Council of Mortgage Lenders’ Handbook requirements for the bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.
I recently had an offer accepted on an apartment in Horsham. My financial adviser suggested a lawyer. I paid an upfront payment of £225. Soon after, the property lawyer contacted me embarrassingly acknowledging that they were not on the Nottingham conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Nottingham panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Just had an offer accepted on a new build flat in Horsham. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Here are examples of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Horsham
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The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. There must be mutual enforceability of lessee’s covenants. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.
I am selling my property. My former conveyancers have shut. I am in need of a recommendation of a conveyancing firm. Im based in Horsham if that makes a difference.
Please use our search tool to help you find a solicitor for your conveyancing in Horsham. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs smoothly.
My uncle purchased his flat in Horsham 7 years ago. He has been married, widowed and in recent months got remarried. He now intends to the sell the Horsham property. I believe he will simply be requested to provide a copy of the marriage certificates to the solicitor however he is anxious it will delay the sale of the apartment. Should he instruct a conveyancing practitioner to update the title documents for the house?
It is not absolutely necessary to bring up to date the register as long as you have the proof needed to show how the change of name resulted.
Any buyer’s solicitor should review the land registry details and ask for evidence to prove the name change e.g. marriage documentation.