It is a dozen years since I acquired my home in Cheddar. Conveyancing lawyers have recently been instructed on the sale but I can't track down the deeds. Is this a problem?
You need not be too concerned. Firstly the deeds may be retained by the mortgage company or they could stored with the solicitor who oversaw the purchase. Secondly the chances are that 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 lawyers obtaining up to date copy of the land registers. Most conveyancing in Cheddar relates to registered property but in the rare situation where your property is unregistered it adds to the complexity but is resolvable.
I am purchasing a victorian detached house in Cheddar. Our aim is to an extension at the rear at the property.Will the conveyancing process involve checks to see if these works are allowed?
Your conveyancer will review the deeds as conveyancing in Cheddar will on occasion identify restrictions in the title deeds which prohibit certain alterations or necessitated the consent of another owner. Many additions require local authority planning consent and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these things with a surveyor prior to committing yourself to a purchase.
Last month we had a mortgage agreed in principle with UBS. Cheddar conveyancing practitioners have been appointed. What is the average time that one could expect to receive a mortgage offer from UBS?
Some lenders take longer than others. Have UBS completed the valuation? Have you informed UBS as to your lawyers' details and checked that your lawyers are on the UBS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
We were going to get a AIP from Yorkshire BS this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Cheddar solicitors on the Yorkshire BS conveyancing panel, or is it better to go independently?
You will need to appoint Cheddar solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
My colleague advised me that where I am purchasing in Cheddar I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is usually included in the estimate for your Cheddar conveyancing searches. It is not a small document of more than thirty pages, listing and detailing important information about Cheddar around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Cheddar Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Cheddar Education with plans and statistics, Local Amenities and other useful information regarding Cheddar.
I've recently found out that there is a flying freehold element on a property I put an offer in two weeks back in what was supposed to be a straight forward, no chain conveyancing. Cheddar is where the house is located. Is there any advice you can give?
Flying freeholds in Cheddar are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Cheddar you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cheddar may decide 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 residence.
Are there any apps to assist me to identify a Cheddar solicitor on the Barclays conveyancing panel? I have wheels and am happy to travel upto 20miles to meet the lawyer.
Feel free to make use of the facility on this website. Please select a bank and your location and you will see a number of Cheddar conveyancing lawyers locally. We have listed some Cheddar conveyancing firms towards the end of this page and you can contact them to check whether they are on the Barclays panel
What type of premises does your Cheddar conveyancing quotes relate to?
Our conveyancing quotes are only applicable to standard domestic premises in England & Wales. Should you have any different requirements for example industrial or agricultural property or commercial conveyancing in Cheddar you should telephone us to discuss this further .