It is 10 years ago since I acquired my house in Walton On Thames. Conveyancing lawyers have now been instructed on the sale but I am unable to find the deeds. Is this a major issue?
Don’t worry too much. First there is a chance that the deeds will be with your mortgage company or they may still be with the lawyers who oversaw your purchase. Secondly in most cases the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Nearly all conveyancing in Walton On Thames involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
I have 71 years remaining on my lease and need a lease extension for my flat in Walton On Thames. Conveyancing solicitors on the Chelsea Building Society panel can deal with such extensions correct?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 24/2/2025 the requirements read as follows :
I need some fast conveyancing in Walton On Thames as I am faced with a deadline to sign on the dotted line in less than one month. A mortgage is not required. Can I avoid the conveyancing searches to save money and time?
If.Given you are are a cash buyer you have the choice not to have searches conducted although no lawyer would suggest that you don't. With lots of history conveyancing in Walton On Thames the following are instances of what can be revealed and therefore impact market value: Refused Planning Applications, Outstanding Fees, Overdue Grants, Railway Schemes,...
I am buying my first flat in Walton On Thames with a loan from The Royal Bank of Scotland. The sellers would not move on the amount so I negotiated five thousand pounds worth of extras instead. The sale representative suggested that I not inform my lawyer about this deal as it could put at risk my loan 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.
Am I best advised to go with a Walton On Thames conveyancing lawyer in close proximity to the house I am buying? An old friend can deal with the conveyancing however they are based 300miles away.
The primary upside of using a local Walton On Thames conveyancing practice is that you can attend the office to sign paperwork, hand in your ID and apply pressure on them where appropriate. Having local Walton On Thames know how is a benefit. However nothing is more important than finding someone that will pull out all the stops for you. If other friends have instructed your friend and in the main were impressed that should trump using an unknown Walton On Thames conveyancing solicitor just because they are round the corner.
My fiance and I are hoping to buy a 2 bedroom flatin Walton On Thames with a home loan from a lender. We wish to instruct our lawyer in Walton On Thames yet our mortgage company inform us now that she’s not approved on their "panel". We have to appoint from the our lender panel firms or stay with our Walton On Thames solicitor and incur the extra legals for one of their panel ones to represent our lender. We feel as though this is unjust; Can we not simply insist that our bank use our Walton On Thames lawyer?
No, not really. The lender mortgage issued is subject to conditions, one of which will be that lawyers will on the lender's conveyancing panel. in the past, most banks had large numbers of law firms on their panels, including many conveyancing solicitors in Walton On Thames : a mortgagee could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for your mortgage company.