It is is a decade since I purchased my home in Enfield Lock. Conveyancing lawyers have now been retained on the sale but I can't track down my title deeds. Is this a major issue?
You need not be too concerned. First the deeds may be kept by your mortgage company or they could stored with the conveyancers who handled your purchase. Secondly in most cases 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 procuring up to date copy of the land registers. Almost all conveyancing in Enfield Lock involves registered property but in the rare situation where your property is not registered it adds to the complexity but is resolvable.
How do I discover of the solicitor handling my conveyancing in Enfield Lock is on the mortgage lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Clydesdale thus paying £187.00 plus VAT in additional legal costs.
Please do make use of the search tool on this site. Pick the mortgage company and type ‘Enfield Lock’ or your preferred area and you will see numerous conveyancers located in Enfield Lock or by proximity to you.
We are getting a further advance on our home loan from TSB as we wish to conduct alterations to our house in Enfield Lock. Are we obliged to appoint a nearby Enfield Lock solicitor on the TSB conveyancing panel to deal with the legals?
TSB don't usually appoint a member of their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the TSB panel.
My offer was accepted on a property in Enfield Lock on 29/9/2025, valuation was booked five days later, received a clean bill of health. Property lawyer appointed, so all that was missing was my mortgage offer. Having made daily calls to Skipton and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Skipton conveyancing panel. Are Skipton entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Skipton to deal with your lawyer's application to be on the Skipton conveyancing panel. There's no guarantee that your solicitor will be accepted.
I've digested plenty of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Enfield Lock solicitor - who is on the HSBC conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
HSBC will need an independent valuation of the property. Your lawyer will not arrange this. Usually HSBC will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Enfield Lock surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
three months have gone by since my purchase conveyancing in Enfield Lock completed. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
Over the last few months I have been searching for a flat up to £245,000 and found one close by in Enfield Lock I like with a park and railway links nearby, however it only has 61 years on the lease. There is not much else in Enfield Lock for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?
If you require a home loan that many years will likely be an issue. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the current owner has owned the premises for a minimum of twenty four months you could request that they start the process of the extension and then assign it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer concerning this.
I am looking for a conveyancing solicitor in Enfield Lock for my home move. Is it possible to review a solicitor's complaints history with the profession’s regulator?
You may see documented Solicitor Regulator Association (SRA) decisions stemming from investigations from 2008 onwards. Visit Check a solicitor's record. To find information about the period before 1 January 2008, or to check a solicitors history, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, use +44 (0)121 329 6800. The regulator may monitor call for training requirements.