It is a dozen years since I acquired my home in Bellingham. Conveyancing solicitors have just been retained on the sale but I am unable to locate the deeds. Will this cause complications?
Don’t worry too much. Firstly there is a chance that the deeds will be retained by the lender or they may be in the possession of the lawyers who oversaw your purchase. Secondly the likelihood is that the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Bellingham relates to registered property but in the unlikely event that your property is not registered it is more tricky but is resolvable.
I am buying a right to buy a flat in Bellingham. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing in Bellingham you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Bellingham.
I have a terraced Edwardian house in Bellingham. Conveyancing solicitor represented me and The Royal Bank of Scotland. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold under the exact same address. I thought I was buying a freehold how can I check?
You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Bellingham and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with the conveyancing lawyer who conducted the conveyancing.
I'm purchasing my first flat in Bellingham with a loan from Britannia. The developers would not budge the amount so I negotiated five thousand pounds worth of additionals instead. The estate agent told me not reveal to my solicitor about the deal as it may affect my mortgage with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey done on a house in Bellingham ahead of instructing lawyers. I have been advised that there is a flying freehold overhang to the property. My surveyor has said that some lenders will refuse to issue a loan on this type of property.
It depends who your proposed lender is. Bank of Scotland has different requirements from Birmingham Midshires. If you call us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Bellingham. Conveyancing will be smoother if you use a solicitor in Bellingham especially if they are accustomed to such properties in Bellingham.
A licensed conveyancer handled my conveyancing in Bellingham half a dozen years ago having stored my deeds but has now closed – how do I get hold of these?
Title deeds, as such, are no longer appropriate for the majority of properties in Bellingham are recorded digitally at Land Registry. Where you need to show evidence of proprietorship or are disposing of or re-mortgaging your conveyancing practitioner will need to obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to firstname.lastname@example.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.