It is is a decade since I purchased my property in Barlaston. Conveyancing lawyers have just been appointed on the sale but I can't locate my title documents. Will this cause complications?
Don’t worry too much. Firstly the deeds may be with the mortgage company or they could still be with the conveyancers who handled your purchase. Secondly the chances are that the property will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Barlaston involves registered property but in the rare situation where your property is not registered it is more of a problem but is resolvable.
Please explain the implications if my lawyer’s firm is removed from the Clydesdale Solicitor panel ahead of completing my conveyancing in Barlaston?
First, 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 at a cost.
I am downsizing from our property in Barlaston and according to the buyers it appears that there is a risk of it being built land that was not decontaminated. A high street Barlaston conveyancer would know that there is no such problem. For the life of me I don't know why the buyers instructed a national conveyancing practice rather than a conveyancing solicitor in Barlaston. We have lived in Barlaston for six years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to obtain confirmation need.
It sounds as though you may have a conveyancing firm already. What do they say? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
4 months have gone by since my purchase conveyancing in Barlaston took place. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
How does conveyancing in Barlaston differ for new build properties?
Most buyers of new build premises in Barlaston approach us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is constructed. This is because builders in Barlaston tend to 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 conveyancing solicitors 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 Barlaston or who has acted in the same development.
I'm refinancing my primary property to a BTL loan with Bank of Scotland and intend to use the remaining equity towards another property. The location we are talking about is Barlaston. Will your conveyancers be able to act for the two mortgage companies and link together the transactions?
Make use of our search tool on this page to be sure that the solicitors are on the appropriate lender panels. Having checked that they are the conveyancer will be able to connect the two transactions but you should talk with you lawyer and specify your desired outcome and needs.