It is 10 years ago since I bought my property in Alton. Conveyancing solicitors have now been retained on the sale but I can't find the deeds. Will this jeopardise the sale?
Don’t worry too much. First the deeds may be retained by your lender or they may still be with the lawyers who oversaw your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors acquiring current official copies of the land registers. Almost all conveyancing in Alton relates to registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
My lawyer in Alton is not on the Santander Approved Panel. Can I still retain my prefered solicitor notwithstanding that they are excluded from the Santander approved list?
Your options are as follows:
- Complete the purchase with your preferred Alton solicitors but Santander will need to retain a lawyer on their list of acceptable firms. This will inevitably rack up the total conveyancing charges as well as result in frustration.
- Find a new practitioner to to deal with the purchase, not forgetting to check they are Convince your solicitor to use their best endeavours to join the Santander conveyancing panel
We have agreed to purchase a house in Alton. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Santander be concerned?
As your lender is Santander your lawyer must check the formal instructions outlined in Part two of UK Finance Lenders’ Handbook for Santander. The CML Handbook stipulates minimum requirements for solar panel roof-space leases, and conveyancers are required to report to Santander where a lease does not comply with these requirements. The specifications relate to the installation of panels on properties countrywide and is not isolated to Alton.
I am currently in the process of buying my council flat in Alton. I have a mortgage offer with Santander. Conveyancing is not something I have any knowledge of. 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.
About to purchase maisonette in Alton. 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 HSBC 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 Alton lawyer is on the HSBC conveyancing panel.
Despite weeks of looking the Title Certificate and documents to our property are lost. The lawyers who did the conveyancing in Alton 4 years ago have long since closed. What are my next steps?
Assuming the title is registered the details of your ownership will be documented by HMLR under a Title Number. It is easy to conduct a search at the Land Registry, find your house and obtain current copies of the property title for less than a fiver. If the title is Leasehold then the Land Registry will also normally hold a file duplicate of the Registered Lease and again, a copy can be ordered for a small fee.
What does commercial conveyancing in Alton cover?
Alton conveyancing for business premises covers a wide array of advice, provided by regulated solicitors, relating to business premises. For example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.
My uncle has suggested that I instruct his conveyancers in Alton. Should I use them?
No doubt it’s preferable to choose a conveyancing practitioner is to seek referrals from friends or family who have experience in using the conveyancer that you are are thinking of instructing.