It is 10 years ago since I purchased my house in West Dean. Conveyancing lawyers have now been appointed on the sale but I am unable to track down the deeds. Will this jeopardise the sale?
You need not be too concerned. First the deeds may be with the mortgage company or they could be in the possession of the lawyers who oversaw your purchase. Secondly the chances are that 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 current official copies of the land registers. Almost all conveyancing in West Dean relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is not insurmountable.
I am purchasing a terraced house in West Dean. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in West Dean you will have to appoint a solicitor on your mortgage company's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in West Dean.
I'm the single recipient of my late mum's will with all property in now in my sole name, including the my former home in West Dean. Conveyancing formalities meant that the Land Registry date was in December. I plan to dispose of the house. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my proprietorship will be considered the same way as though I had purchased the house in December. Will no one buy the property for half a year?
The CML handbook requires solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be caught by that. How sensible a view lenders take of it, depend on the lender as this obligation is chiefly there to pick up on subsales or the quick reselling of property.
I am currently in the process of buying my council flat in West Dean. I have a mortgage agreed with Co-operative. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Co-operative, you will need to appoint a solicitor on the Co-operative conveyancing panel.
Having digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local West Dean solicitor - who is on the Skipton conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own West Dean surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
My wife and I purchased a 4 bedroom Georgian house in West Dean. Conveyancing solicitor acted for me and Barnsley Building Society. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold with the exact same address. Is it worth asking Barnsley Building Society to clarify?
You should read the Freehold register you have again and check the Charges Register for 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 West Dean 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 purchasers. You can also check the position with the conveyancing lawyer who conducted the work.
What tools are available to identify a West Dean solicitor on the Yorkshire Building Society conveyancing panel? I drive a motor bike and am prepared to travel upto 20kilometers to meet the conveyancer.
You can use the facility on this page. Please choose the lender and your location and you will see a number of West Dean conveyancing lawyers based on proximity. We have listed some West Dean conveyancing firms towards the end of this page and you can call them to see if they are on the Yorkshire Building Society panel
I need to instruct a conveyancing solicitor for freehold conveyancing in West Dean. I've land on a web site which looks to be the ideal solution If it is possible to get all the legals completed via web that would be ideal. Do I need to be concerned? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?