It is 10 years ago since I bought my house in Windsor. Conveyancing lawyers have just been retained on the sale but I am unable to locate the title deeds. Will this cause complications?
You need not be too concerned. First the deeds may be retained by your lender or they could be in the possession of the conveyancers who acted in the purchase. Secondly the chances are that the title will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors procuring up to date copy of the land registers. The vast majority of conveyancing in Windsor relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is resolvable.
My grandfather passed away 10 months ago and as sole heir and executor I was left the property in Windsor. The house had a relatively small loan left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Nottingham, pay off the mortgage. Is this possible?
Given you plan to re-mortgage then Nottingham will insist on your using a conveyancer on the Nottingham conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Nottingham conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Nottingham mortgage is registered as a charge at the Land Registry.
I opted to have a survey completed on a property in Windsor prior to appointing lawyers. I have been informed that there is a flying freehold overhang to the house. My surveyor has said that some lenders will not give a mortgage on such a premises.
It varies from the lender to lender. HSBC has different requirements for example to Birmingham Midshires. If you contact us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Windsor. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Windsor to see if the conveyancing will be more expensive.
In my capacity as executor for the will of my grandmother I am disposing of a residence in Newport but reside in Windsor. My lawyer (who is 200 miles awayhas requested that I sign a stat dec prior to completion. Could you suggest a conveyancing solicitor in Windsor who can witness and place their company stamp on the document?
Technically speaking you should not need to have the documents attested by a conveyancing solicitor. Normally any notary public or qualified solicitor will do regardless of whether they are based in Windsor
I am in need of some leasehold conveyancing in Windsor. Before I set the wheels in motion I would like to find out the number of years remaining on the lease.
If the lease is registered - and most are in Windsor - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Windsor Leasehold Conveyancing - Sample of Queries before Purchasing
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Please inform me if there are any major works in the near future that will likely increase the service charges? Generally speaking the cost for major works tend not to be included within maintenance charges, although there some managing agents in Windsor require tenants to pay into a sinking fund created for the specific intention of building a fund for major repairs or maintenance. Most Windsor leasehold flats will have a service bill for the upkeep of the building levied on behalf of the freeholder. Should you buy the property you will have to meet this contribution, usually quarterly throughout the year. This may be anything from two or three hundred pounds to thousands of pounds for blocks with lifts and large common areas. In all probability there will be a ground rent for you to pay annual, this is usually not a exorbitant sum, say about £25-£75 but you should to enquire as on occasion it can be many hundreds of pounds.
What can I do to establish who owns a house in Windsor?
Assuming that the premises is recorded at the Land Registry, and you have enough information of the location of the property, you should be able to view details from the HMLR of the recorded owner for a fee.