It is is a decade since I purchased my property in Sowerby Bridge. Conveyancing lawyers have just been retained on the sale but I can't track down my title documents. Is this a problem?
You need not be too concerned. Firstly the deeds may be with your lender or they may be archived with the solicitor who oversaw the purchase. Secondly the chances are that the property will be registered 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. The vast majority of conveyancing in Sowerby Bridge relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is not insurmountable.
I need some quick conveyancing in Sowerby Bridge as I am faced with pressure to exchange contracts in less than 2 weeks. Fortunately I do not need a mortgage. Is it possible to escape the need for conveyancing searches to save money and time?
As you are not taking a mortgage you have the choice not to do searches although no lawyer would suggest that you don't. Drawing on our experience of conveyancing in Sowerby Bridge the following are examples of issues that can arise and therefore impact future saleability: Refused Planning Applications, Outstanding Charges, Outstanding Grants, Unadopted Roads,...
Yesterday I discovered that there is a flying freehold element on a house I have offered on two weeks back in what should have been a quick, chain free conveyancing. Sowerby Bridge is where the house is located. Is there any advice you can impart?
Flying freeholds in Sowerby Bridge are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Sowerby Bridge 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 Sowerby Bridge 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.
How do I locate a Sowerby Bridge solicitor on the Bank of Scotland conveyancing panel? I have wheels and am willing to travel upto 20kilometers to meet the conveyancer.
You can use the search on this page. Please pick a lender and your location and you will see a number of Sowerby Bridge conveyancing lawyers located nearest you. We have detailed some Sowerby Bridge conveyancing firms at the bottom of this page and you can telephone them to see if they are on the Bank of Scotland member panel
We are 17 days into a freehold purchase having been directed to conveyancers by the selling agent to carry out the conveyancing in Sowerby Bridge. We are not happy. Can you help me find new conveyancers?
A conveyancer would have to be very poor in order to consider changing them. Has your mortgage offer been generated? If so you will need to inform them of the new contact details and ensure the mortgage documents are re-issued. Your conveyancer needs to be on the banks panel to avoid added charges and complications. That should be your starting point. Our search tool can assist you in finding a bank approved lawyer for your conveyancing in Sowerby Bridge
Is there a reason that Sowerby Bridge conveyancing charges are higher for leasehold and freehold properties?
Inevitably there is increased work required in leasehold conveyancing. Sowerby Bridge has many leasehold properties. There is more time involved in the purchase: for example, the lease and leasehold information (including up to date service charge, ground rent and buildings insurance details) obtained from the freeholder or managing agents. There are strict criteria that the lease must meet in order to be acceptable to a mortgage company. If it does not meet these requirements, the lease must be amended, which can involve additional expense for the seller.