It is a dozen years since I purchased my house in Kidbrooke. Conveyancing lawyers have now been instructed on the sale but I can't find the title documents. Will this jeopardise the sale?
Don’t worry too much. First there is a possibility that the deeds will be retained by the lender or they could be in the possession of the solicitor who acted in your purchase. Secondly the likelihood is that the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers procuring current official copies of the land registers. Most conveyancing in Kidbrooke relates to registered property but in the rare situation where your property is not registered it is more of a problem but is not insurmountable.
My father pointed out to me me that in buying a property in Kidbrooke there could be various restrictions affecting the ability to carry out external alterations to the property. Is this right?
There are a number of properties in Kidbrooke which have some sort of restriction or requirement of consent to external variations. Part of the conveyancing in Kidbrooke should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have a mortgage with Lloyds for my property in Kidbrooke. Conveyancing was finalised a year ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Lloyds?
You must advise Lloyds before renting your property as this is likely to be a breach of Lloyds’s mortgage conditions. It may be that Lloyds will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Lloyds directly. It should not be necessary to do this via a Lloyds conveyancing panel lawyer.
The formalities of my remortgage has taken place for my property in Kidbrooke. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I need some expedited conveyancing in Kidbrooke as I am faced with an ultimatum to exchange contracts within 3 weeks. Thankfully I do not need a mortgage. Is it possible to avoid the conveyancing searches to save fees and time?
As you are are a mortgage free buyer you are at liberty not to do searches although no conveyancer would suggest that you don't. Drawing on years of experience of conveyancing in Kidbrooke the following are instances of what can show up and therefore impact future saleability: Enforcement Notices, Overdue Charges, Outstanding Grants, Road Schemes,...
I have todayfound out that Action Conveyancing have been shut down. They conducted my conveyancing in Kidbrooke for a purchase of a freehold house 12 months ago. How can I be sure that the property is in my name in the name of the former proprietor?
The quickest way to see if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Kidbrooke conveyancing specialists.
The estate agent has sent us the confirmation of our purchase of a new build apartment in Kidbrooke. Conveyancing is daunting 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 conveyancing.
Set out below is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Kidbrooke
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Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. 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. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?
Am I right to be concerned about estate agents that I am dealing with are encouraging me to use a national conveyancing firm as opposed to a High Street Kidbrooke conveyancing practice?
As with lots of professional services, often input from relatives can be worth their weight in gold. But there are many players in a conveyancing deal; estate agents, mortgage brokers and banks may suggest conveyancers to instruct. Sometimes the conveyancers might be known to one of the organisations as one of the best in their field, but sometimes there may be a commercial relationship behind the recommendation. You are at liberty to select your preferred lawyer. You need to be aware that the majority of banks have an approved list of lawyers you have to use for the mortgage related work in your conveyancing.