It is is a decade since I bought my home in Rugby. Conveyancing lawyers have just been retained on the sale but I am unable to track down my title documents. Will this jeopardise the sale?
You need not be too concerned. Firstly the deeds may be with your mortgage company or they could be in the possession of the solicitor who oversaw your purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Rugby involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
I am considering applying for a HSBC mortgage for purchase of a newly converted (under development) in Rugby with 65 per cent LTV. Is it compulsory to choose a solicitor on the conveyancing panel for HSBC ?
There is nothing to stop you using your solicitor, but HSBC 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.
We are close to exchanging contracts on the sale of our home in Rugby and the buyers lawyers are claiming that there is a risk of it being built land that was not decontaminated. Any local conveyancer would know that there is no such problem. It does beg the question why the purchasers instructed a nationwide conveyancing outfit as opposed to a conveyancing solicitor in Rugby. Having lived in Rugby for 5 years we know of no issue. Do we contact our local Authority to obtain clarification need.
It would appear that you have a conveyancing firm already. What do they say? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same ailment)
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Rugby is where the house is located. What do you suggest?
Flying freeholds in Rugby are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Rugby you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Rugby may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
I am selling my property. My past conveyancers has retired. I would be grateful for any recommendation of a conveyancing firm. I happen to live in Rugby if that makes things easier.
Please use our search tool to help you find a solicitor for your conveyancing in Rugby. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs with a minimum of fuss.
How much experience do your Rugby conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?
Rugby conveyancing lawyers help thousands of buyers move home every year and supported lots of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Rugby conveyancers have worked on recent similar cases.