It is a dozen years since I acquired my property in Barnsbury. Conveyancing lawyers have now been instructed on the sale but I can't locate the title documents. Is this a problem?
Don’t worry too much. Firstly there is a chance that the deeds will be with the lender or they could be in the possession of the lawyers who oversaw your purchase. Secondly in most cases the title will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining up to date copy of the land registers. Almost all conveyancing in Barnsbury involves registered property but in the rare situation where your home is not registered it adds to the complexity but is not insurmountable.
We had selected conveyancing lawyers with offices in Barnsbury on the Co-operative solicitor approved list. They are now charging me a further charge for handling the Co-operative mortgage. Is this a supplemental conveyancing fee set by Co-operative?
Unfortunately, so long as it is in their Terms and Conditions or Quote then yes your conveyancer may charge a fee for this. This charge is not dictated by Co-operative but by your Barnsbury conveyancer. Numerous firms on the Co-operative panel will levy ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.
We are getting the release of further funds on our home loan from Santander as we wish to carry out a loft conversion to our house in Barnsbury. Are we obliged to select a local Barnsbury solicitor on the Santander conveyancing panel to handle the paperwork?
Santander don't usually appoint firms on their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Santander panel.
I am due to exchange contracts on my flat. I had a double glazing fitted in December 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, TSB are being pedantic. The Barnsbury solicitor who is on the TSB conveyancing panel is recommending indemnity insurance as a solution but TSB are requiring a building regulation certificate. Why do TSB have a conveyancing panel if they don't accept advice from them?
It is probably the case that TSB have referred the matter to their valuer. The reason why TSB may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I require quick conveyancing in Barnsbury as I have an ultimatum to exchange contracts in less than 3 weeks. A home loan is not required. Is it possible to decline from having conveyancing searches to save fees and time?
If.Given you are not getting a mortgage you have the choice not to have searches conducted although no solicitor would recommend that you don't. With lots of history conveyancing in Barnsbury the following are examples of issues that can appear and therefore impact future mortgageability: Enforcement Notices, Overdue Charges, Overdue Grants, Road Schemes,...
Despite weeks of looking the Title Certificate and documents to my home can not be found. The lawyers who handled the conveyancing in Barnsbury 4 years ago no longer exist. What do I do?
Gone are the days when you need to have the physical deeds to evidence that you own the land or premises, as the Land Registry hold details of all registered land or property electronically.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on two weeks back in what should have been a straight forward, chain free conveyancing. Barnsbury is the location of the property. Is there any guidance you can impart?
Flying freeholds in Barnsbury are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Barnsbury you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Barnsbury may ascertain 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 property.
Is it simple use the search facility to locate a conveyancing practitioner in Barnsbury on the approved list for my bank?
Step one is to choose a bank such as Barclays , Skipton Building Society or Nottingham Building Society then specify your preferred area for instance Barnsbury. Conveyancing practices in Barnsbury and nationally should be identified.