It is 10 years ago since I bought my property in Barrow In Furness. Conveyancing solicitors have just been retained on the sale but I can't find my title documents. Is this a problem?
You need not be too concerned. Firstly the deeds may be retained by the mortgage company or they may be in the possession of the solicitor who handled the purchase. Secondly in most cases the title will be recorded 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. Nearly all conveyancing in Barrow In Furness involves registered property but in the rare situation where your property is not registered it adds to the complexity but is resolvable.
There are plenty of conveyancing solicitors in Barrow In Furness but how do I know who I should use?
We would encourage you not to go for the cheapest Barrow In Furness conveyancing fees. You really do get what you’re paying for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in ahead of time.
My partner and I have arranged the release of further monies on our mortgage from Aldermore as we intend to conduct a loft conversion to our house in Barrow In Furness. Do we need to select a high street Barrow In Furness solicitor on the Aldermore conveyancing panel to handle the legals?
Aldermore would not normally require a member of their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Aldermore list.
Barclays have agreed my home loan in principle, my bid on a property in Barrow In Furness has been accepted, now what?
The property agent will need to know who your solicitors are (ensure that the lawyers are on the lender’s approved list). Contact Barclays or the broker and finalise any appropriate forms. Barclays will appoint a valuer who will get in contact with the selling agent or owners to arrange a time for the valuation to take place. Once carried out (assuming no problems) it takes on average a week for the mortgage offer to be issued. Barclays will send the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Barrow In Furness.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Barrow In Furness?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Barrow In Furness. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I opted to have a survey done on a house in Barrow In Furness prior to retaining conveyancers. I have been advised that there is a flying freehold element to the property. The surveyor has said that some mortgage companies tend not issue a loan on such a property.
It varies from the lender to lender. HSBC has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Barrow In Furness. Conveyancing may be slightly more expensive based on your lender's requirements.
In my capacity as executor for the will of my uncle I am disposing of a property in Swansea but reside in Barrow In Furness. My conveyancer (approximately 300 kilometers awayneeds me to execute a stat dec before completion. Can you recommend a conveyancing practitioner in Barrow In Furness who can witness this legal document for me?
Technically speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily any notary public or solicitor will do regardless of whether they are Barrow In Furness based
We are in the process of purchasing a house in Barrow In Furness. Could our lawyer keep our transaction price confidential from sites such as Rightmove. Is this achievable and how?
HM Land Registry are legally required to note price paid information on a register of the title for residential properties nationwide which includes properties in Barrow In Furness. The Title Register is a public document, so HMLR would be breaking the law if they did not allow access to the register.
In essence you can ask the Land Registry to hide the amount paid entry yet the answer will be a No.