It is a dozen years since I purchased my property in Cornwall. Conveyancing lawyers have recently been appointed on the sale but I am unable to locate my deeds. Will this cause complications?
You need not be too concerned. Firstly there is a chance that the deeds will be retained by your lender or they may be in the possession of the solicitor who acted in your purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors procuring current official copies of the land registers. Almost all conveyancing in Cornwall involves registered property but in the rare situation where your property is unregistered it is more of a problem but is not insurmountable.
My brother-in-law has suggested I instruct a conveyancing solicitor in Cornwall. I need to find out if they are accepted on the Britannia approved list of lawyers. Can you advise?
The first thing you should do is phone the lawyer and enquire if they can act for the lender. Otherwise please call Britannia who may be able to assist.
I am buying a new build apartment in Cornwall. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Set out below are examples of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Cornwall
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The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Forfeiture - bankruptcy or liquidation must not apply under this provision.
I opted to have a survey carried out on a property in Cornwall ahead of retaining lawyers. I have been informed that there is a flying freehold element to the house. The surveyor advised that some lenders will refuse to grant a loan on this type of premises.
It varies from the lender to lender. HSBC has different instructions from Halifax. Should you wish to telephone us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Cornwall. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cornwall to see if the conveyancing will be more expensive.
My cousin has encouraged me to appoint his conveyancing solicitors in Cornwall. Should I use them?
No doubt the ideal way to find a conveyancing solicitor is to have recommendations from friends or relatives who have actually used the solicitor you're contemplating using.
Do I need to have a meeting at the offices of the bank conveyancing panel solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in Cornwall so that I can attend their offices when needed.
Most conveyancing panel lawyers for the mortgage company undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. YOu dont have to use a conveyancing solicitor in Cornwall. it would nevertheless be wise to check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.