It is 10 years ago since I acquired my house in Stockwood. Conveyancing lawyers have now been instructed on the sale but I can't find the title deeds. Is this a problem?
Don’t worry too much. Firstly there is a chance that the deeds will be retained by the mortgage company or they may be archived with the solicitor who oversaw the purchase. Secondly the likelihood is 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 acquiring current official copies of the land registers. Nearly all conveyancing in Stockwood relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
My colleague advised me that where I am purchasing in Stockwood I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is sometimes quoted for as part of the standard Stockwood conveyancing searches. It is a large report of more than thirty pages, listing and setting out important information about Stockwood 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 type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful information regarding Stockwood.
I used Stirling Law several years past for my conveyancing in Stockwood. Now, I need the documents however cannot find the solicitor. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Stockwood of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm buying a new build house in Stockwood benefiting from help to buy. The builders would not budge the amount so I negotiated 6k of additionals instead. The estate agent advised me not to tell my lawyer about the deal as it may put at risk my mortgage with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
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. Stockwood is where the house is located. Can you shed any light on this issue?
Flying freeholds in Stockwood are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Stockwood 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 Stockwood may decide 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 property.
I am looking into buying my first house which is in Stockwood and I am already nervous. I couldn't find anything specific about Stockwood. Conveyancing will be needed in due course but do you know about the Stockwood area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Stockwood. In the meantime here are some basic statistics that we found