It is is a decade since I purchased my home in Ilminster. Conveyancing solicitors have recently been retained on the sale but I can't find the title documents. Is this a major issue?
You need not be too concerned. Firstly the deeds may be retained by your mortgage company or they could be in the possession of the solicitor who handled your purchase. Secondly the chances are that the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors procuring current official copies of the land registers. Most conveyancing in Ilminster involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
I am thinking of remortgaging my property in Ilminster, does my lawyer need to be on the Clydesdale Conveyancing panel?
There is nothing to stop you using your solicitor, but Clydesdale will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
Should commercial conveyancing searches reveal impending roadworks that may affect a commercial estate in Ilminster?
Its becoming the norm that commercial conveyancing solicitors in Ilminster will perform a SiteSolutions Highways report as it dramatically cuts the time that conveyancers expend in investigating accurate data on highways that impact buildings and development assets in Ilminster. The report provides definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Ilminster.
For each commercial conveyancing transaction in Ilminster it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been dealt with adequately may result in delays to Ilminster commercial conveyancing transactions as well as pose a risk to future intentions for the site. These searches are not conducted for domestic conveyancing in Ilminster.
Is there anything unique about your site and alternative internet conveyancing brokers when it comes to conveyancing in Ilminster?
At this site secure a conveyancing quote from a Solicitor or Licensed Conveyancer that understands the issues for your conveyancing in Ilminster. As opposed to estate agents and brokerage sites we are not in the business of charging firms a commission if you instruct them for your home move in Ilminster
I am intending to let out my leasehold flat in Ilminster. Conveyancing solicitor who did the purchase is retired - so can't ask him. Is permission from the freeholder required?
The lease governs the relationship between the freeholder and you the flat owner; in particular, it will say if subletting is prohibited, or permitted but only subject to certain caveats. The rule is that if the lease contains no expres ban or restriction, subletting is allowed. The majority of leases in Ilminster do not contain an absolute prevention of subletting – such a provision would undoubtedly devalue the property. In most cases there is simply a requirement that the owner notifies the freeholder, possibly sending a duplicate of the sublease.
Leasehold Conveyancing in Ilminster - Examples of Queries before Purchasing
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Does the lease have more than 80 years unexpired?  It is important to be aware if  window replacement or some other significant cost is coming up that will be shared by the tenants and could well materially increase the the service costs or necessitate a one off payment.  Most Ilminster leasehold flats will be liable to pay a service bill for maintenance of the block invoiced by the landlord. Should you buy the flat you will have to meet this contribution, normally quarterly accross the year. This could be anything from two or three hundred pounds to thousands of pounds for buildings with lifts and large common areas. There will also be a ground rent for you to pay annual, normally this is not a exorbitant figure, say about £50-£100 but you should to enquire as occasionally it can be many hundreds of pounds. 
 
My wife and I are acquiring a garden flat in Ilminster. When we first instructed property lawyer, they said that they were on all mainstream bank panels. Our financial adviser emailed yesterday to advise that they are not on the Bank of Ireland approved list. Should that be true, what should we do? Do we just find a new property lawyer that is on their panel or do we pay for separate representation, with Bank of Ireland selecting their own preferred lawyer.
When acquiring a property with the benefit of a mortgage it is conventional for the buyer’s lawyers to also act for the purchaser's lender. In order to act for a bank or building society a property lawyer has to be on that lender's list of approved lawyers. An application has to be made by the conveyancing practitioner to the lender to become a member of the lender's panel and there are increasingly strict conditions which the lawyer has to meet. Some building societies now insist their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your lawyer should call Bank of Ireland to discover if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on Bank of Ireland's conveyancing panel and you may continue to use your own Ilminster solicitors, in which case it will likely add costs, and it may delay matters as you have another set of people involved.