It is is a decade since I bought my home in Writtle. Conveyancing lawyers have now been appointed on the sale but I am unable to locate my deeds. Will this cause complications?
You need not be too concerned. Firstly the deeds may be kept by the mortgage company or they may stored with the solicitor who handled your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers acquiring current official copies of the land registers. Nearly all conveyancing in Writtle relates to registered property but in the rare situation where your property is unregistered it adds to the complexity but is not insurmountable.
What happens if my solicitor is removed from the Barclays Solicitor panel ahead of completing my conveyancing in Writtle?
The first thing to point out is that, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have to instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by a regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
Do I need to pay for insurance to cover chancel repairs when acquiring a residence in Writtle?
Unless a prior acquisition of the premises completed post 12 October 2013 you can expect solicitors conducting conveyancing in Writtle to remain encouraging a chancel search and or chancel repair liability policy.
Despite weeks of looking the Title Certificate and documents to my home are lost. The lawyers who handled the conveyancing in Writtle 5 years ago are no longer around. Will I be able to sell the house?
You no longer need to have the physical official documentation to evidence that you own the land or premises, as the Land Registry hold details of all registered land or property electronically.
I have been on the look out for a flat up to £245,000 and found one close by in Writtle I like with a park and station nearby, however it only has 49 years unexpired on the lease. I can't really find anything else in Writtle in this price bracket, so just wondered if I would be making a grave error purchasing a short lease?
If you require a home loan the remaining unexpired lease term will be problematic. Reduce the offer by the expected lease extension will cost if not already taken into account. If the existing owner has owned the premises for a minimum of twenty four months you could ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer regarding this matter.
How do I identify a Writtle law firm on the Chelsea Building Society conveyancing panel? I have a car and am prepared to travel upto 25miles to meet the lawyer.
You can use the search on this website. Please choose the bank and your location and you will see a number of Writtle conveyancing lawyers locally. We have listed some Writtle conveyancing firms at the bottom of this page and you can telephone them to check if they are on the Chelsea Building Society member panel