Am I correct in assuming that the fact that my conveyancer in Langham is not on my lender's solicitor panel that there is a problem with the standard of the firm’s conveyancing?
That is more than likely a wrong assumption to make. There are all sorts of perfectly plausible explanations. Just recently a report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal are: (1) low volume of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. Where you are concerned you should contact the Langham conveyancing practice and ask them why they are no longer on the approved list for your mortgage company.
It is 10 years ago since I acquired my home in Langham. Conveyancing solicitors have now been appointed on the sale but I can't find the deeds. Will this jeopardise the sale?
You need not be too concerned. First there is a possibility that the deeds will be kept by the lender or they could be in the possession of the lawyers who oversaw your purchase. Secondly in most cases the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining up to date copy of the land registers. Almost all conveyancing in Langham relates to registered property but in the rare situation where your property is not registered it is more tricky but is not insurmountable.
I have been told that property searches are a common reason for delay in Langham conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of a review by MoveWithUs that conveyancing searches do not feature amongst the common causes of hindrances in the conveyancing process. Searches are not likely to feature in any slowing down conveyancing in Langham.
I own a 4 bedroom Victorian property in Langham. Conveyancing solicitor acted for me and The Royal Bank of Scotland. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the matching address. If a house is not a freehold shouldn't I have been informed?
You need to review the Freehold register you have again and check the Charges Register for 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 Langham 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 purchasers. You can also check the position with the conveyancing solicitor who conducted the conveyancing.
How does conveyancing in Langham differ for newly converted properties?
Most buyers of new build premises in Langham contact us having been asked by the developer to sign contracts and commit to the purchase even before the property is ready to move into. This is because new home sellers in Langham typically buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Langham or who has acted in the same development.
How does one as executor remove a departed person's details from the title deeds for a property in Langham?
If a Langham property is co-owned and one of the owners dies, the name will not automatically be removed from the title deeds. You are not required to amend the title as when it comes to a disposal your conveyancer would just need to evidence why the joint owner is not included in the contract, normally this is in the form of a grant of probate.
With a view to making things more straight forward for the sale of the property you can apply to have the deceased person removed from the title register by applying to HM Land Registry with evidence of the death. There is no charge from the Registry for this service.