It is a dozen years since I purchased my house in Midsomer Norton. Conveyancing lawyers have now been retained on the sale but I am unable to locate the title documents. Will this cause complications?
Don’t worry too much. First the deeds may be retained by the lender or they could be in the possession of the lawyers who acted in your purchase. Secondly the likelihood is that the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in Midsomer Norton relates to registered property but in the rare situation where your property is unregistered it adds to the complexity but is not insurmountable.
Me and my partner are buying a flat in Midsomer Norton. I might seem paranoid but how we can trust a conveyancer? On the day of competition we will need to send money into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
Is it correct that all Midsomer Norton CQS (Conveyancing Quality Scheme) solicitors are on the Clydesdale conveyancing panel?
A selection of banks and building societies now use the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their approved list of conveyancing solicitors.
Does a directory service exist listing Nationwide panel conveyancers in Midsomer Norton on the Building Society Association’s Website?
No. There is no such directory service on the CML or Building Society Association websites. Very few banks make their panel listings viewable over the internet. Where you are seeking to appoint a Midsomer Norton lawyer on the Nationwide please use our facility.
The deeds to our home are lost. The conveyancers who did the conveyancing in Midsomer Norton 4 years ago no longer exist. What are my options?
Assuming you have a registered title the information relating to your proprietorship will be recorded by HMLR with a Title Number. It is easy to execute a search at the Land Registry, locate your house and secure current copies of the property title for a small fee. Where the title is Leasehold then the Land Registry will in most cases hold a certified duplicate of the Registered Lease and again, a copy can be retrieved for twenty pounds.
How does conveyancing in Midsomer Norton differ for newly converted properties?
Most buyers of new build or newly converted property in Midsomer Norton approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the premises is ready to move into. This is because new home sellers in Midsomer Norton typically buy the site, 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 used to new build conveyancing in Midsomer Norton or who has acted in the same development.
Due to the encouragement of my in-laws I had a survey completed on a house in Midsomer Norton in advance of retaining solicitors. I have been advised that there is a flying freehold overhang to the property. Our surveyor advised that some lenders may not grant a mortgage on this type of premises.
It varies from the lender to lender. Lloyds has different instructions from Nationwide. Should you wish to telephone us we can check via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Midsomer Norton. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to retain a conveyancing solicitor for leasehold conveyancing in Midsomer Norton. I happened to discover a site which seems to have the ideal offering If there is a chance to get all this stuff done via phone that would be ideal. Do I need to be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?