It is is a decade since I purchased my house in Nuneaton. Conveyancing solicitors have just been retained on the sale but I can't locate my deeds. Will this cause complications?
You need not be too concerned. First there is a possibility that the deeds will be kept by your mortgage company or they may be in the possession of the lawyers who handled the purchase. Secondly the chances are that the property will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors obtaining up to date copy of the land registers. Almost all conveyancing in Nuneaton involves registered property but in the unlikely event that your home is unregistered it adds to the complexity but is not insurmountable.
We wanted to use a conveyancing solicitor in Nuneaton for our house purchase. Our financial adviser has since notified us that our bank Godiva Mortgages Ltd won't deal with them. Why is this not regarded as unduly restrictive?
A bank will direct that an approved solicitor act for it. You would be liable to bear the cost of this. Please make use of our directory service to choose a solicitor to carry conveyancing in Nuneaton on the Godiva Mortgages Ltd member panel.
How does conveyancing in Nuneaton differ for newly converted properties?
Most buyers of new build premises in Nuneaton come to us having been asked by the builder to exchange contracts and commit to the purchase even before the residence is finished. This is because house builders in Nuneaton usually acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Nuneaton or who has acted in the same development.
I've recently found out that there is a flying freehold issue on a house I have offered on two weeks back in what was supposed to be a simple, no chain conveyancing. Nuneaton is where the house is located. Is there any advice you can impart?
Flying freeholds in Nuneaton are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Nuneaton you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Nuneaton may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
Can you offer any advice when it comes to appointing a Nuneaton conveyancing firm to deal with our lease extension?
If you are instructing a solicitor for lease extension works (regardless if they are a Nuneaton conveyancing practice) it is imperative that he or she should be familiar with the legislation and specialises in this area of work. We advise that you speak with several firms including non Nuneaton conveyancing practices before you instructing a firm. If the firm is ALEP accredited then so much the better. The following questions could be of use:
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What are the charges for lease extension work? If they are not ALEP accredited then why not?
Nuneaton Conveyancing for Leasehold Flats - Examples of Questions you should consider Prior to buying
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How is the lease structured? What is the name of the managing agents?
I am buying a flat and require a conveyancing solicitor in Nuneaton who is on the lender approved panel. Could you point me in the right direction as regards a Nuneaton solicitor?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for the lender who carry out conveyancing in Nuneaton. We dont recommend any particular solicitor.