Are you able to vouch for a Yorkshire Building Society approved South Croydon conveyancing solicitor who can have us moved in within a short deadline? Would it be better to use a high street South Croydon practice or an online firm?
We can recommend some very good South Croydon conveyancing firms. Another option is to visit the high street in South Croydon. Go in to a couple of law practices and request to speak with a conveyancing solicitor for a fee estimate. Mention your expectations together with your reasons and ask for an assurance on your deadline. Select the lawyer that you are most comfortable with.
It is is a decade since I bought my property in South Croydon. Conveyancing solicitors have now been retained on the sale but I can't find the title deeds. Will this cause complications?
Don’t worry too much. Firstly there is a chance that the deeds will be kept by the mortgage company or they could be in the possession of the conveyancers who handled the purchase. Secondly the chances are that the title will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors obtaining up to date copy of the land registers. Almost all conveyancing in South Croydon involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
My bid for a property was accepted at auction in South Croydon. Conveyancing is required. What is next?
Given that you have now exchanged you now have to find a conveyancing lawyer as a matter of urgency as you are faced with a fast approaching a fixed date to complete the purchase. An auction property will ordinarily have a corresponding auction set of papers. This should include the copy title deeds, local authority and drainage searches. If you have purchased leasehold property the auction papers may include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork pertinent to leasehold premises. You should hand this to your appointed conveyancing solicitor at the earliest opportunity. You also need to ensure that you have funds in order to complete on the date specified in the contract.
We have agreed to purchase a house in South Croydon. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Nationwide be concerned?
As your lender is Nationwide your lawyer must follow the formal instructions outlined in Section two of UK Finance Lenders’ Handbook for Nationwide. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and solicitors are required to report to Nationwide where a lease does not satisfy these specifications. The provisions relate to the installation of panels on properties nationwide and is not isolated to South Croydon.
Our offer on a semi in South Croydon has been agreed to, but there is a chain. The vendors have offered on a property, but it’s not yet agreed to, and are looking at other flats booked. I have chosen a bricks and mortar conveyancing solicitor in South Croydon. What should be my next step? When should I get the mortgage application with Co-operative started?
It is usual to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of £1k, then valuation, South Croydon conveyancing search fees, etc). The first course of action is to ensure that your property lawyer is on the Co-operative conveyancing panel. Regarding the next stages this very much dictated by the circumstances of your case, attraction to the property and on the state of the market. During a hot market many purchasers will apply for a home loan with Co-operative and arrange for the valuation and only if it was satisfactory would they pay their conveyancer to press on with searches.
Various web forums that I have come across warn that are the number one cause of obstruction in South Croydon house deals. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the determinations of a review by MoveWithUs that conveyancing searches do not figure amongst the top 10 causes of delays in the conveyancing process. Local searches are unlikely to feature in any delay in conveyancing in South Croydon.
Me and my brother own a semi-detached Edwardian house in South Croydon. Conveyancing practitioner represented me and Virgin Money. I did a free Land Registry search last week and I saw two entries: one for freehold, the second leasehold under the exact same address. If a house is not a freehold shouldn't I have been informed?
You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in South Croydon and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with the conveyancing practitioner who conducted the purchase.
Should I be suspicious about 3rd parties that I am dealing with are suggesting a national conveyancing firm rather than a High Street South Croydon conveyancing company?
As with many professional services, often suggestions from family and friends can be worth their weight in gold. Nevertheless there are numerous players in a conveyancing matter; estate agents, financial adviser and banks might all put forward conveyancers to choose. Sometimes the conveyancers might be known to one of the organisations as one of the best in their field, but occasionally there may be a commercial relationship behind the recommendation. You are at liberty to appoint your own lawyer. You need to be aware that many mortgage providers specify a panel list of law firms you have to use for the lender related work in your transaction.