It is is a decade since I purchased my property in Hither Green. Conveyancing solicitors have recently been appointed on the sale but I am unable to locate my deeds. Is this a problem?
Don’t worry too much. Firstly the deeds may be kept by your lender or they could stored with the lawyers who acted in the purchase. Secondly the likelihood is that 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 solicitors procuring current official copies of the land registers. Almost all conveyancing in Hither Green relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is not insurmountable.
I had intended to instruct a property lawyer in Hither Green for our home move. Our broker informed us that our mortgage lenders Barclays Direct won't deal with them. Why is this not regarded as unfair competition?
A mortgage company will direct that an approved solicitor act for it. You would be expected to bear the charges for this. Do use our database to locate a solicitor to conduct conveyancing in Hither Green on the Barclays Direct member panel.
is it true that all Hither Green solicitor firms on the Coventry BS conveyancing panel are regulated by the SRA?
As a firm of solicitors, in order to be on the Coventry BS conveyancing panel they would need to be governed by the SRA. Many banks do allow licenced conveyancers on their panel in which case such practice would be regulated by the CLC.
The formalities of my purchase has taken place for my property in Hither Green. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I was told three weeks ago that my mortgage has been agreed to by Nationwide. Is it usual for Nationwide to only issue the offer once my solicitor in Hither Green is approved on their conveyancing panel? Nationwide have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Nationwide to deal with your lawyer's application to be on the Nationwide conveyancing panel. There's no guarantee that your solicitor will be accepted.
Various internet forums that I have come across warn that are the number one cause of stalling in Hither Green conveyancing transactions. Is that correct?
The Council of Property Search Organisations (CoPSO) published findings of research by MoveWithUs that conveyancing searches do not figure within the most frequent causes of delays during the legal transfer of property. Searches are unlikely to feature in any holding up conveyancing in Hither Green.
Is there anything unique about your site and alternative internet conveyancing brokers when it comes to conveyancing in Hither Green?
At this site receive an accurate costs illustration from a Solicitor or Licensed Conveyancer that appreciates the nuances of your conveyancing in Hither Green. Unlike many estate agents and brokerage sites we do not have commission deals with solicitors. A large number of agents and online brokers 'recommend' solicitors that pays the most commission, rather than the best value conveyancing in Hither Green
I today plan to offer on a house that seems to meet my requirements, at a reasonable price which is making it all the more appealing. I have since discovered that it's a leasehold as opposed to freehold. I would have thought that there are issues purchasing a leasehold house in Hither Green. Conveyancing advisers have are soon to be appointed. Will my lawyers set out the risks of buying a leasehold house in Hither Green ?
Most houses in Hither Green are freehold rather than leasehold. This is one of the situations where having a local conveyancer who is familiar with the area who can assist with the conveyancing process. We note that you are buying in Hither Green in which case you should be looking for a Hither Green conveyancing practitioner and check that they have experience in dealing with leasehold houses. First you will need to check the unexpired lease term. As a tenant you will not be entirely free to do whatever you want to the property. The lease comes with conditions for example requiring the freeholder’sconsent to conduct alterations. It may be necessary to pay a maintenance charge towards the upkeep of the estate where the house is located on an estate. Your solicitor will appraise you on the various issues.
I own a first flat in Hither Green. In the absence of agreement between myself and the freeholder, can the Leasehold valuation Tribunal determine the premium payable for the purchase of the freehold?
Absolutely. We can put you in touch with a Hither Green conveyancing firm who can help.
An example of a Freehold Enfranchisement case for a Hither Green flat is 18 Handen Road in April 2013. On 26 October 2012 District Judge Zimmels sitting at the Lambeth County Court made a Vesting Order that the Applicants be granted the right to acquire the freehold upon such terms and at such price determined by the LVT. The Tribunal arrived a figure of £39,535 as a valuation for the enfranchisement. This case related to 3 flats. The unexpired term was 69.05 years.