It is a dozen years since I purchased my house in Wrington. Conveyancing solicitors have now been appointed on the sale but I am unable to locate the deeds. Is this a major issue?
Don’t worry too much. Firstly the deeds may be retained by the lender or they could be archived with the solicitor who handled the purchase. Secondly the chances are that the property will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring up to date copy of the land registers. Most conveyancing in Wrington involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
My brother-in-law has suggested I instruct a conveyancing solicitor in Wrington. I need to find out if they are accepted on the Platform Home Loans Ltd approved list of lawyers. Can you advise?
You should phone the solicitor and ask them if they are on the lender panel. Alternatively please call Platform Home Loans Ltd who may be able to confirm.
I am assisting my mother sell her property in Wrington. Does the conveyancer arrange an EPC or should I organise this?
After the demise of HIPs, EPC’s remained a required element of selling a property. An energy performance certificate should be to hand before the property is advertised. It is not as aspect of the sale process that lawyers normally organise. Where you are instructing a Wrington conveyancing solicitor they might be able to arrange energy performance certificates due to their contacts with long established Wrington energy assessors
I have decided to exercise my right to buy my property in Wrington off the council. I have a mortgage agreed with Santander. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have 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 Santander, you will need to appoint a solicitor on the Santander conveyancing panel.
The mortgage over my property is with Bank of Ireland for my property in Wrington. Conveyancing was finalised some time ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Bank of Ireland?
Bank of Ireland must be informed of your intention prior to renting your property as this is likely to be a breach of Bank of Ireland’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Bank of Ireland directly. You need not do this via a Bank of Ireland conveyancing panel firm.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Wrington?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Wrington. 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…’
How do I use your search app to select a conveyancing practitioner in Wrington on the approved list for my bank?
1st pick a bank such as Accord Mortgages Ltd, Barnsley Building Society or Aldermore then type in your preferred area for instance Wrington. Conveyancing firms in Wrington and nationally should be shown.
Whilst your website is a good idea there are many lawyers listed near Wrington being on the bank conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the lender approved panel?
We do not recommend specific Wrington firms as the right Wrington conveyancing firm for you depends on where your priorities lie. For example you may require a local firm with Wrington knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the the firms listed to gain comfort as to which one is right for you..