It is is a decade since I acquired my house in Woodhouse Eaves. Conveyancing solicitors have now been instructed on the sale but I am unable to find my deeds. Is this a problem?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by your lender or they may be in the possession of the solicitor who handled your purchase. Secondly the likelihood is that the property will be recorded 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. The vast majority of conveyancing in Woodhouse Eaves relates to registered property but in the rare situation where your home is unregistered it is more problematic but is resolvable.
Do the Building Society Association intend to launch a search tool with a view to to identify law firms on the Darlington Building Society conveyancing panel for example in Woodhouse Eaves?
We are not aware of any plans on the part of the BSA to promote such a search facility.
I have todaybeen informed that Wolstenholmes have been shut down. They conducted my conveyancing in Woodhouse Eaves for a purchase of a leasehold flat 12 months ago. How can I establish that my home is registered correctly in the name of the former proprietor?
The quickest way to see if the premises is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Woodhouse Eaves conveyancing specialists.
I am purchasing a new build house in Woodhouse Eaves with a loan from The Mortgage Works. The builders would not move on the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent told me not to tell my conveyancer about this extras as it could adversely affect my mortgage with The Mortgage Works. Should I keep quiet?.
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.
Is it best to go with a Woodhouse Eaves conveyancing lawyer who is local to the property I am purchasing? We have a good friend who can handle the legal formalities but his firm is located 400kilometers away.
The benefit of a high street Woodhouse Eaves conveyancing firm is that you can pop in to sign paperwork, deliver your ID and pester them if necessary. Having local Woodhouse Eaves know how is a plus. That being said it's more important to get someone that will pull out all the stops for you. If if people you trust instructed your friend and on the whole were happy that should trump using an unfamiliar Woodhouse Eaves conveyancing lawyer just because they are Woodhouse Eaves based.
The solicitors handling our conveyancing in Woodhouse Eaves has forwarded documents to review that state the property is unregistered with epitome documents. Surely all properties in Woodhouse Eaves are registered?
Whilst the vast majorities of properties in Woodhouse Eaves are now registered with the Land Registry there are still some that are unregistered. Any property in Woodhouse Eaves that has been remortgaged since the late 1980’s will have been registered at the HMLR under the compulsory ‘first registration’ scheme. However, if a Woodhouse Eaves property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Plenty of Woodhouse Eaves conveyancing solicitors will be able to handle this type of conveyancing but if any uncertainty reigns the standard guidance these days seems to be for the seller to register it first and then deal with the disposal - this can though naturally cause a prolonged transaction.