It is a dozen years since I bought my house in Somerset. Conveyancing lawyers have now been appointed on the sale but I can't locate the deeds. Is this a problem?
You need not be too concerned. First there is a chance that the deeds will be with the mortgage company or they may be in the possession of the conveyancers who handled your purchase. Secondly the likelihood is that the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Somerset relates to registered property but in the rare situation where your property is not registered it is more tricky but is resolvable.
Having spent time researching online forums for a cheap lawyer in Somerset, most say that I must look for a CQS kitemarked lawyer. What is CQS?
The Law Society's Conveyancing Quality Scheme is the recognised kitemark for legal experts in the legal transfer of properties, trusted by some of the UK's leading lenders. In 2011-12 the Conveyancing Quality Scheme was officially recognised by the Association of British Insurers (ABI). CQS is not a scheme offered by the Council of Licensed Conveyancing. Somerset is one of the many areas of the UK where there are CQS solicitors.
The deeds to my house can not be found. The lawyers who conducted the conveyancing in Somerset 10 years ago no longer exist. What are my next steps?
Nowadays there are duplicates made of almost everything, and your conveyancer will be aware precisely where to find all the suitable documentation so you can buy or dispose of your house without any difficulty. Where duplicates can’t be found, your conveyancer can put in place insurance or indemnities against future claims on the premises.
I opted to have a survey carried out on a house in Somerset ahead of appointing solicitors. I have been told that there is a flying freehold overhang to the property. The surveyor advised that some mortgage companies tend refuse to issue a loan on a flying freehold property.
It varies from the lender to lender. Lloyds has different requirements from Birmingham Midshires. If you e-mail us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Somerset. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Somerset to see if the conveyancing costs will increase in light of this.
I'm converting the mortgage on my existing home to a buy to let mortgage with Skipton Building Society and intend to use the remaining equity towards a second house. The neighborhood we are looking at is Somerset. Will your lawyers be able to act for the two mortgage companies and tie in the transactions?
Make use of our comparison tool on this site to ensure that the lawyers are on the relevant lender panels. Assuming that they are the conveyancer will be able to simultaneously deal with the two deals but you should have a chat with you solicitor and make apparent your desired outcome and requirements.
My partner has urged me to use his conveyancers in Somerset. Should I use them?
No doubt it’s preferable to find a conveyancing lawyer is to seek referrals from friends or family who have used the firm you're contemplating using.