It is is a decade since I acquired my property in Belsize Park. Conveyancing solicitors have now been retained on the sale but I can't track down my title deeds. Will this cause complications?
Don’t worry too much. Firstly there is a possibility that the deeds will be kept by your mortgage company or they could be in the possession of the solicitor who acted in the purchase. Secondly in all probability the property will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Belsize Park relates to registered property but in the unlikely event that your home is not registered it is more tricky but is not insurmountable.
I am thinking of remortgaging my flat in Belsize Park, does my lawyer have to be on the UBS Conveyancing panel?
There is nothing to stop you using your solicitor, but UBS will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
A relative informed me that in buying a property in Belsize Park there could be various restrictions limiting what one can do in terms of external alterations to the property. Is this right?
We are aware of a number of properties in Belsize Park which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Belsize Park should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We are aiming to move house in August. Should my conveyancing solicitor update the removal company on the day of completion. Incidentally, can you suggest a removal company in Belsize Park. Conveyancing firm was organised prior to coming across this website.
On the day of completion you will need to pick up the house keys from the estate agent however this can only be done after the previous owners solicitors inform the agent that they acknowledge receipt of the completion payment and the keys can be given over. Subsequently you will need to advise the removal men that they can start moving you in. We do not recommend a specific removal company but can help you choose a residential property solicitor in Belsize Park or a lawyer with expertise in conveyancing in Belsize Park.
When it comes to lenders such as RBS, do Belsize Park conveyancers face an annual charge to be on the list of approved solicitors?
We are unaware of any bank fees to be on their panel, although some do charge an administration fee to deal with the processing of the conveyancing panel application.
Due to the advice of my in-laws I had a survey completed on a property in Belsize Park ahead of retaining solicitors. I have been informed that there is a flying freehold aspect to the house. The surveyor has said that some lenders will not give a loan on a flying freehold home.
It varies from the lender to lender. Lloyds has different instructions from Nationwide. Should you wish to telephone us we can look into this further with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Belsize Park. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Belsize Park to see if the conveyancing will be more expensive.
I am using a search engine for the phrase conveyancing in Belsize Park it shows results of many conveyancersin the vicinity. How do I determine which is the suitable property lawyer for me?
The preferential method of seeking a suitable conveyancer is through a trusted testimonial, so ask colleagues and relatives who have acquired a property in Belsize Park or the reputable estate agent or mortgage broker. Charges for conveyancing in Belsize Park differ, so it's sensible to secure at least four quotes from different property lawyers. Dont forget to clarify that the charges are assured not to rise.
Our solicitor in Belsize Park has uncovered a a problem with the lease for the apartment we are buying in Belsize Park. The other side have suggested title insurance as a solution. We are content with insurance and will cover the costs. Our solicitor has advised that as he is on the mortgage company conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or the mortgage company?
Just because you have a mortgage offer from the mortgage company does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your Belsize Park conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the bank are the client. The appropriate lender requirements have to be complied with by the mortgage company conveyancing panel who has to balance acting for you and the lender