It is is a decade since I acquired my property in Sunningdale. Conveyancing lawyers have recently been appointed on the sale but I can't locate the title documents. Will this cause complications?
Don’t worry too much. First there is a possibility that the deeds will be retained by your lender or they may still be with the solicitor who handled your purchase. Secondly in most cases the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors procuring up to date copy of the land registers. Almost all conveyancing in Sunningdale involves registered property but in the unlikely event that your property is not registered it is more of a problem but is resolvable.
My brother-in-law has suggested I instruct a conveyancing solicitor in Sunningdale. I I would like to check if they are on the Clydesdale approved list of lawyers. Could you help?
You should contact your conveyancer and enquire if they are on the lender panel. Otherwise you should call Clydesdale who may be able to confirm.
Me and my brother purchased a 4 bedroom Georgian property in Sunningdale. Conveyancing lawyer represented me and Platform Home Loans Ltd. I did a free Land Registry search last week and there are a couple of entries: one for freehold, the second leasehold under the matching property. I'd like to know for sure, how can I find out??
You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Sunningdale 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 mortgage companies. You can also check the situation with your conveyancing solicitor who conducted the conveyancing.
How does conveyancing in Sunningdale differ for new build properties?
Most buyers of new build premises in Sunningdale contact us having been asked by the developer to sign contracts and commit to the purchase even before the residence is ready to move into. This is because new home sellers in Sunningdale tend to purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Sunningdale or who has acted in the same development.
Due to the advice of my in-laws I had a survey completed on a property in Sunningdale before appointing conveyancers. I have been informed that there is a flying freehold element to the house. Our surveyor advised that some lenders will not give a mortgage on such a home.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Halifax. If you contact us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Sunningdale. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Sunningdale to see if the conveyancing will be more expensive.
Is it necessary during the course of the conveyancing process to have a meeting at the offices of the lender conveyancing panel solicitor to sign the mortgage deed? If so, I will choose one who does conveyancing in Sunningdale as it will be easier to pop in to their offices if required.
Most conveyancing panel lawyers for the lender undertake conveyancing via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. YOu dont have to use a conveyancing solicitor in Sunningdale. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.