It is a dozen years since I acquired my home in Seaton. Conveyancing solicitors have now been instructed on the sale but I am unable to find my deeds. Is this a problem?
You need not be too concerned. Firstly there is a chance that the deeds will be retained by your mortgage company or they may stored with the conveyancers who handled the purchase. Secondly in all probability the property will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers acquiring current official copies of the land registers. Almost all conveyancing in Seaton involves registered property but in the rare situation where your property is unregistered it adds to the complexity but is not insurmountable.
A friend pointed out to me me that in purchasing a property in Seaton there may be various restrictions affecting the ability to carry out external alterations to a property. Is this right?
There are anumerous of properties in Seaton which have some sort of restriction or requirement of consent to carry out external changes. Part of the conveyancing in Seaton should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We are buying a end of terrace house in Seaton. We would like to carry out an extension to the side at the house.Will legal work on the property involve investigations to ascertain if these works are prohibited?
Your solicitor will review the registered title as conveyancing in Seaton will sometimes reveal restrictions in the title deeds which prohibit certain changes or need the consent of another owner. Many extensions call for local authority planning consent and approval in accordance building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be prudent to check these things with a surveyor ahead of any purchase.
I recently had an offer accepted on an apartment in Seaton. My financial adviser recommended their conveyancers. I paid an advanced payment of £150. Not long after, the conveyancer contacted me embarrassingly acknowledging that they were not on the HSBC conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the HSBC panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
My relative advised me that if I am purchasing in Seaton I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is sometimes quoted for as part of the standard Seaton conveyancing searches. It is a large document of about 40 pages, listing and setting out significant information about Seaton around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Seaton Education with maps and statistics, Local Amenities and other useful data concerning Seaton.
I decided to have a survey carried out on a house in Seaton prior to instructing solicitors. I have been informed that there is a flying freehold aspect to the property. Our surveyor has said that some lenders may not give a mortgage on this type of house.
It depends who your proposed lender is. Lloyds has different requirements for example to Halifax. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Seaton. Conveyancing will be smoother if you use a solicitor in Seaton especially if they are familiar with such properties in Seaton.
In scouring the world wide web for the term on line conveyancing in Seaton it reveals many solicitorsin the area. How do I determine which is the right conveyancer for me?
The best way of seeking the right conveyancer is via personal testimonial, so seek the guidance of colleagues and relatives who have acquired a property in Seaton or the local estate agent or mortgage broker. Charges for conveyancing in Seaton differ, so it's sensible to obtain at least three quotes from varying types of companies. Be sure to seek confirmation what costs in the quote includes.
We have had DIP from Birmingham Midshires who suggested we could borrow up to £350k. When do I need to instruct a solicitor for conveyancing? Seaton is where we are purchasing.
It would be wise to appoint a solicitor now so that the solicitor can open the ledger so they can commence their ID checks etc. Once you wish them to commence work they will seek a payment on account normally approximately £200. That should generally be after you have the loan offer from your bank and survey report, nevertheless if you want to expedite the process you can get going quicker albeit risking some expense.