It is is a decade since I purchased my property in Wolsingham. Conveyancing solicitors have just been instructed on the sale but I am unable to find my title deeds. Will this cause complications?
You need not be too concerned. Firstly the deeds may be kept by your lender or they could stored with the solicitor who oversaw the purchase. Secondly in all probability the land will be recorded 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. The vast majority of conveyancing in Wolsingham involves registered property but in the unlikely event that your home is unregistered it is more of a problem but is not insurmountable.
My uncle passed away six months ago and as sole heir and executor I was left the property in Wolsingham. The house had a small mortgage left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Virgin Money, pay off the mortgage. Is this possible?
If you plan to re-mortgage then Virgin Money will insist on your using a conveyancer on the Virgin Money 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 Virgin Money 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 Virgin Money mortgage is registered as a charge at the Land Registry.
We are buying a flat in Wolsingham. It might be a silly question but how we can trust a conveyancer? On the day of competition we have to send our life savings into their account. What is the protection we have from them run away with our monies?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
My fiancee and I are in the process of looking at apartments in Wolsingham and I am about to put in an offer. Is it wise to have a property lawyer on ‘stand by’? I am planning to take a home loan with Clydesdale.
It would be wise to instigate your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the estate agent. Given that you are taking out a mortgage with Clydesdale, make sure you remember to check that your lawyer is on the Clydesdale conveyancing panel.
Planning on purchasing a flat in Wolsingham. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Skipton conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Wolsingham solicitor is on the Skipton conveyancing panel.
Have purchased a a detached house in Wolsingham , What is the estimated time for the Land Registry to register my title? My Wolsingham conveyancing solicitor has been painfully slow, so I want to check that my name is recorded.
As far as conveyancing in Wolsingham registration is no quicker or slower than the rest of the country. As opposed to being determined by geographic area, timeframes can differ subject to the party submitting the application, whether it is in order and if the Land registry must send notices to any 3rd parties. Currently roughly 80% of such applications are fully dealt with within two weeks but occasionally there can be extensive delays. Historically registration takes place after the purchaser is living at the premises so post completion formalities is not usually an essential issue yet if there is a degree of urgency associated with the registration then you or your lawyers should speak with the land registry and explain the circumstances.
I am thinking of appointing a conveyancing practitioner in Wolsingham for my sale. Can I check a firm’s complaints history with the legal regulator?
Members of the public may search for presented Solicitor Regulator Association (SRA) decisions stemming from inquisitions from 2008 onwards. Go to Check a solicitor's record. To find records about the period before 1 January 2008, or to check a solicitors record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, dial +44 (0)121 329 6800. The regulator could recorded telephone calls for training reasons.
We are first time buyers just having agreed a price on a property in Wolsingham, and are now looking to get solicitors instructed. We have made use of the various comparison based websites and the results are from all across the country. Is it important to have a Wolsingham lawyer local to your potential property? I am content to do all the communicating electronically, but I am thinking at some point we will need to physically go into the property lawyer's office to sign papers?
The conveyancing practitioner does not need to be in Wolsingham, but opting for local means that you can go in if needed, for instance, if a signature is needed urgently. Furthermore, a Wolsingham solicitor have established relationships with local agents and (if the vendor has instructed a local solicitor) with them, which should help keep things moving faster.