I am in need of a property lawyer. Do I opt for a web based conveyancer or a high street South Croydon conveyancing lawyer?
South Croydon is a unique place, where local experience helps. The laid-back lifestyle has an upside – but not for your conveyancing. The property lawyers that we endorse host vast South Croydon intelligence with a professional, hands-onattitude that helps everything runs smoothly. It will certainly help that they enjoy long term relationships with financial advisers, local authorities, valuers and other South Croydon conveyancing practices
Please could you vouch for a Britannia sanctioned South Croydon conveyancing solicitor who can have us moved in within a very limited time frame? Would it be better to use a high street South Croydon practice or a web based comparison site?
We would be happy to suggest some excellent South Croydon conveyancing firms. You can also walk up the high street in South Croydon. Visit some well established law practices and request to see a conveyancing solicitor for a fee estimate. Explain your deadline together with your reasons and get an assurance on speed. Select the lawyer that appears most efficient.
It is is a decade since I bought my home in South Croydon. Conveyancing lawyers have now been retained on the sale but I can't track down my title deeds. Is this a problem?
You need not be too concerned. Firstly the deeds may be with the mortgage company or they could stored with the conveyancers who oversaw the purchase. Secondly in all probability 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 lawyers obtaining current official copies of the land registers. Almost all conveyancing in South Croydon involves registered property but in the unlikely event that your property is unregistered it is more problematic but is resolvable.
My bid for a property was accepted at auction in South Croydon. Conveyancing is necessary. What happens now?
Now that you are exchanged you should find a conveyancing lawyer soon as you are faced with a pending a drop dead date to complete the transaction. All auction property will have an associated legal set of papers. This will include evidence of title and search results. If you have purchased leasehold premises the legal pack may include a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation pertinent to a leasehold property. You must give this to your appointed conveyancing solicitor as soon as possible. You also need to ensure that you have funds organised to complete the transaction on the set completion date.
We have agreed to purchase a house in South Croydon. A rare aspect is that the roof has a solar panel. Santander have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Santander your lawyer must follow the conveyancing instructions set out in Section 2 of UK Finance Lenders’ Handbook for Santander. The CML Handbook stipulates minimum conditions for solar panel roof-space leases, and conveyancing practitioners are required to report to Santander where a lease does not comply with these conditions. The conditions relate to the installation of panels on properties countrywide and is not restricted to South Croydon.
My sealed bid on a detached house in South Croydon has been accepted, but there is a chain. The sellers have placed an offer on a property, but it’s not yet tied up, and have viewings of other apartments booked. I have instructed a local conveyancing solicitor in South Croydon. What should be my next step? At what point should I apply for the mortgage with Co-operative?
It is understandable to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is in the region of one thousand pounds, then survey, South Croydon conveyancing search fees, etc). The first thing to do is ensure that your lawyer is on the Co-operative approved list. Concerning the subsequent steps this very much dictated by the specifics of your transaction, attraction to the property and on the state of the market. In a buoyant market the majority of home buyers will apply for the mortgage with Co-operative and pay for the valuation and only if it comes back ok would they pay their lawyer to proceed with the conveyancing in South Croydon.
I have been told that property searches are the primary reason for delay in South Croydon house deals. Is that correct?
The Council of Property Search Organisations (CoPSO) published findings of a review by MoveWithUs that conveyancing searches do not feature within the common causes of delays during the legal transfer of property. Local searches are unlikely to be the root cause of slowing down conveyancing in South Croydon.
I've recently found out that there is a flying freehold element on a property I have offered on two weeks back in what was supposed to be a straight forward, no chain conveyancing. South Croydon is where the house is located. Can you shed any light on this issue?
Flying freeholds in South Croydon are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside South Croydon you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in South Croydon 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.