It is is a decade since I purchased my home in Fulham. Conveyancing solicitors have now been retained on the sale but I can't locate the title documents. Is this a major issue?
You need not be too concerned. First the deeds may be with your mortgage company or they could be in the possession of the lawyers who acted in the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring up to date copy of the land registers. The vast majority of conveyancing in Fulham involves registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
Can I be sure that the Fulham conveyancing solicitor on the TSB panel is any good?
When it comes to conveyancing in Fulham seeking recommendations is a good 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 advise that you speak with the solicitor carrying out your transaction.
I am currently in the process of buying my council flat in Fulham. I have a mortgage agreed with Barclays. 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 Barclays, you will need to appoint a solicitor on the Barclays conveyancing panel.
I was told four weeks ago that my mortgage has been agreed to by TSB. Is it usual for TSB to only issue the offer once my solicitor in Fulham is approved on their conveyancing panel? TSB have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for TSB to deal with your lawyer's application to be on the TSB conveyancing panel. There's no guarantee that your solicitor will be accepted.
I have todayfound out that Action Conveyancing have closed. They carried out my conveyancing in Fulham for a purchase of a leasehold apartment 10 months ago. How can I check that my home is not still registered in the name of the former proprietor?
The easiest method to check if the property is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Fulham conveyancing specialists.
How does conveyancing in Fulham differ for new build properties?
Most buyers of new build residence in Fulham approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the house is constructed. This is because developers in Fulham usually purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Fulham or who has acted in the same development.
I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a straight forward, chain free conveyancing. Fulham is where the house is located. Can you offer any advice?
Flying freeholds in Fulham are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Fulham you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Fulham may determine 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 premises.
In my capacity as executor for the estate of my aunt I am selling a house in Neath but reside in Fulham. My conveyancer (based 300 miles from meneeds me to sign a statutory declaration prior to the transaction finalising. Can you recommend a conveyancing lawyer in Fulham who can witness this legal document for me?
Technically speaking you should not be required to have the documents attested by a conveyancing solicitor. Normally any notary public or solicitor will suffice regardless of whether they are Fulham based