It is is a decade since I acquired my house in Brecon. Conveyancing lawyers have now been appointed on the sale but I am unable to locate my deeds. Is this a major issue?
Don’t worry too much. Firstly the deeds may be with the mortgage company or they may still be with the solicitor who handled the purchase. Secondly in all probability the property will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring current official copies of the land registers. Most conveyancing in Brecon involves registered property but in the rare situation where your property is unregistered it is more problematic but is resolvable.
Do I need to have a meeting at the offices of the solicitor to sign the legal charge? If so, I will choose one who does conveyancing in Brecon so that I can pop in to their offices if necessary.
Whereas this was necessary ten years ago, most banks no longer require their conveyancing panel solicitor to witness the mortgagors signature. You will still be obliged to supply identification documents and there are still distinct advantages to using a local ayer, in your case a conveyancing solicitor in Brecon.
How does conveyancing in Brecon differ for new build properties?
Most buyers of new build residence in Brecon approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is finished. This is because new home sellers in Brecon typically 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 property lawyers 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 accustomed to new build conveyancing in Brecon or who has acted in the same development.
I decided to have a survey done on a house in Brecon prior to retaining lawyers. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some lenders may not issue a mortgage on this type of home.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. Should you wish to call us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Brecon. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Brecon to see if the conveyancing costs will increase in light of this.
We are 17 days into a leasehold purchase having been recommend to solicitors by the estate agent to execute conveyancing in Brecon. I am not happy. Could you you assist me in finding new solicitors?
A lawyer would have to be very poor in order to consider changing them. Has the mortgage offer been issued? If so you need to advise them of the replacement lawyer and have the offer are re-issued. Your solicitor ideally needs to be on the banks panel to avoid added costs and complications. That should be your first question of the new solicitors. Our search tool will help you find a lender approved solicitor for your conveyancing in Brecon
Can I determine who owns a house in Brecon?
As long as the premises is registered with the Land Registry, and you have enough details of the address of the property, you will be able to obtain details from the the Land Registry of the recorded proprietor for a for less than a fiver.