It is is a decade since I purchased my home in Westbury. Conveyancing lawyers have just been instructed on the sale but I am unable to track down my title deeds. Will this cause complications?
You need not be too concerned. First there is a chance that the deeds will be with your lender or they may stored with the lawyers who acted in the purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Westbury relates to registered property but in the unlikely event that your home is unregistered it is more problematic but is resolvable.
My lawyer has informed me that lack of planning permission insurance is necessary on my purchase. What is the level of cover for Westbury conveyancing?
The right level of lack of planning permission indemnity insurance should be dictated by who who your lender is. It would differ for example between Santander and Norwich and Peterborough Building Society. Conveyancing lawyers as opposed to borrowers take out such insurances.
I am the sole recipient of my late father’s estate and I have everything in my name now, including the my former home in Westbury. The Westbury property was put into my name in July. I plan to dispose of the property. I do know about the Mortgage Lenders 6 month 'rule', meaning my proprietorship will be regarded the same way as though I had purchased the property in July. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook requires solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be impacted by that. Most mortgage companies would take a pragmatic view as this clause is chiefly there to capture subsales or the flipping of properties.
I had an offer accepted on a property in Westbury on 18/6/2026, valuation was booked five days later, all came back fine. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to UBS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the UBS conveyancing panel. Are UBS entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for UBS to deal with your lawyer's application to be on the UBS conveyancing panel. There's no guarantee that your solicitor will be accepted.
Are there restrictive covenants that are commonly identified during conveyancing in Westbury?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Westbury. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Yesterday I discovered that there is a flying freehold issue on a house I have offered on two weeks back in what was supposed to be a quick, chain free conveyancing. Westbury is the location of the property. Can you offer any assistance?
Flying freeholds in Westbury are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Westbury you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Westbury may determine 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 can the Landlord & Tenant Act 1954 impact my business offices in Westbury and how can your lawyers assist?
The particular law that you refer to provides security of tenure to commercial lessees, giving them the legal entitlement to make a request to court for a renewal lease and continue in occupation at the end of the lease term. There are certain specified grounds where a landlord can refrain from granting a lease renewal and the rules are complex. We are happy to direct you to commercial conveyancing firms who use the act to your advantage and assist with commercial conveyancing in Westbury
I previously informed by my mortgage company that their approved conveyancers operate no move no fee basis for conveyancing in Westbury. I had a purchase fall through nevertheless the solicitors want search fees! They are stating that the fees are seperate!
Westbury conveyancing search charges are disbursements not solicitors costs as these are payable to independent parties.