It is 10 years ago since I bought my house in North Ferriby. Conveyancing solicitors have recently been appointed on the sale but I am unable to track down my title deeds. Will this jeopardise the sale?
You need not be too concerned. Firstly there is a chance that the deeds will be kept by your lender or they may be in the possession of the solicitor who handled the 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 procuring current official copies of the land registers. Almost all conveyancing in North Ferriby relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is not insurmountable.
My wife and I have a terraced Victorian property in North Ferriby. Conveyancing lawyer represented me and The Royal Bank of Scotland. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold with the matching address. I'd like to know for sure, how can I find out??
You need to read the Freehold register you have again and check the Charges Register as there may be 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 North Ferriby 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 your conveyancing solicitor who conducted the work.
The estate agent has sent us the confirmation of our purchase of a new build apartment in North Ferriby. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in North Ferriby
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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. 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 Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. There must be mutual enforceability of lessee’s covenants. Please confirm the Lease plans are surveyor prepared.
I opted to have a survey completed on a house in North Ferriby ahead of instructing solicitors. I have been advised that there is a flying freehold overhang to the property. Our surveyor has said that some banks may not issue a loan on a flying freehold property.
It depends who your proposed lender is. Lloyds has different requirements for example to Nationwide. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in North Ferriby. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in North Ferriby to see if the conveyancing costs will increase in light of this.
Are there any apps to help locate a North Ferriby solicitor on the Nottingham Building Society conveyancing panel? I have a car and am happy to travel upto 10miles to meet the lawyer.
Feel free to make use of the tool on this page. Please choose the bank and your location and you will see a number of North Ferriby conveyancing lawyers locally. We have detailed some North Ferriby conveyancing firms at the bottom of this page and you can contact them to see whether they are on the Nottingham Building Society member panel
I need to instruct a conveyancing solicitor for sale conveyancing in North Ferriby. I have discover a site which appears to be the ideal offering If it is possible to get all formalities done via phone that would be ideal. Do I need to be concerned? 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?