It is is a decade since I bought my home in Emerson Park. Conveyancing solicitors have recently been instructed on the sale but I am unable to track down my title deeds. Will this jeopardise the sale?
Don’t worry too much. First the deeds may be kept by the mortgage company or they may be archived with the conveyancers who oversaw your purchase. Secondly in all probability the land will be registered 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. Nearly all conveyancing in Emerson Park involves registered property but in the unlikely event that your home is not registered it is more problematic but is not insurmountable.
I am buying a semi-detached house in Emerson Park. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Emerson Park you will have to appoint a solicitor on your mortgage company'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 Emerson Park.
Can I be sure that the Emerson Park conveyancing solicitor on the Virgin Money panel is any good?
When it comes to conveyancing in Emerson Park obtaining recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the lawyer handling your transaction.
I am currently in the process of buying my council flat in Emerson Park. I have a mortgage agreed with Aldermore. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Aldermore, you will need to appoint a solicitor on the Aldermore conveyancing panel.
I am selling my flat. I had a double glazing fitted in March 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, HSBC are being a right pain. The Emerson Park solicitor who is on the HSBC conveyancing panel is recommending indemnity insurance as a solution but HSBC are insisting on a building regulation certificate. Why do HSBC have a conveyancing panel if they don't accept advice from them?
It is probably the case that HSBC have referred the matter to their valuer. The reason why HSBC may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I acquired my home on 11 October and my personal details are still not on the land registry website. Should I be concerned? My conveyancing solicitor in Emerson Park expressed confidence that it should be formalised in less than a month. Are transfers in Emerson Park uniquely lengthy to register?
There is nothing unique about conveyancing in Emerson Park registration formalities. As opposed to being determined by geographic area, timescales can vary depending on who lodges the application, whether it is in order and whether the Land registry have to notify any interested persons or bodies. Currently approximately three quarters of submission are fully dealt with within 12 days but occasionally there can be extensive delays. Historically registration occurs after the new owner has moved in to the property so post completion formalities is not typically primary concern yet where there is a degree of urgency associated with the registration then you or your conveyancer should contact the land registry and explain the circumstances.
Due to the advice of my in-laws I had a survey completed on a property in Emerson Park prior to retaining solicitors. I have been told that there is a flying freehold overhang to the property. Our surveyor has said that some lenders will not give a mortgage on such a premises.
It varies from the lender to lender. HSBC has different requirements for example to Birmingham Midshires. Should you wish to call us we can check with the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Emerson Park. Conveyancing will be smoother if you use a solicitor in Emerson Park especially if they regularly deal with such properties in Emerson Park.
Is it possible to change conveyancer as I have to instruct one who is on the Aldermore conveyancing list. I was using a family conveyancing solicitor in Emerson Park round the corner but he is not accepted by Aldermore
We will our best to assist in finding you a conveyancing solicitor in Emerson Park on the Aldermore panel. Please note that the conveyancers that we list do not pay us commission if you instruct them and are under regulation of the SRA who regulate all conveyancing solicitors in Emerson Park. In making use of search facility on this page, you can scrutinise fees for conveyancing solicitors in Emerson Park and beyond.