The Enfield Wash conveyancing firm handling our Enfield Wash conveyancing has identified an inconsistency when comparing the information in the home valuation report and what is in the legal papers for the property. My solicitor says that he must ensure that the lender is OK with this discrepancy and is still content to lend. Is my solicitor’s approach legitimate?
Your solicitor must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Do the Building Society Association intend to launch a online directory to list solicitors on the Earl Shilton BS conveyancing panel for example in Enfield Wash?
We have not been informed any intention on the part of the BSA to develop such a tool.
A relative suggested that if I am buying in Enfield Wash I should 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 quoted for as part of the standard Enfield Wash conveyancing searches. It is a large document of about 40 pages, listing and setting out significant information about Enfield Wash around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Enfield Wash Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Enfield Wash Education with plans and statistics, Local Amenities and other useful information about Enfield Wash.
Despite weeks of looking the Title Certificate and documents to our home can not be found. The solicitors who dealt with the conveyancing in Enfield Wash 5 years ago no longer exist. What do I do?
You no longer need to hold title original deeds to evidence that you are the registered proprietor of land or property, as the Land Registry hold details of all registered land or property electronically.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Enfield Wash is where the house is located. What do you suggest?
Flying freeholds in Enfield Wash are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Enfield Wash you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Enfield Wash may ascertain 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 property.
I'm purchasing a property in Enfield Wash. I can find my conveyancer's company on the Law Society's list, but I can't see my conveyancer's name as listed on the regulator's website. Is this a big problem?
Not every individual in the law firm must be listed by the regulator. As long there is someone qualified to 'oversee' the conveyancing, the actual day-to-day activity can be undertaken by unlicensed staff.