It is 10 years ago since I acquired my house in Long Buckby. Conveyancing lawyers have just been appointed on the sale but I can't locate the title deeds. Is this a problem?
Don’t worry too much. First the deeds may be kept by the mortgage company or they could be in the possession of the lawyers who acted in the purchase. Secondly in all probability the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining up to date copy of the land registers. The vast majority of conveyancing in Long Buckby relates to registered property but in the rare situation where your home is unregistered it adds to the complexity but is resolvable.
When it comes to lenders such as UBS, do Long Buckby property lawyers have to pay a fee to be on the list of approved solicitors?
We are unaware of any bank fees to be on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel application.
is it true that all Long Buckby conveyancing solicitors on the HSBC conveyancing panel are governed by the SRA?
As solicitors, in order to be on the HSBC conveyancing panel they would need to be governed by the SRA. Some mortgage companies do allow licenced conveyancers on their panel in which case such organisation would be regulated by the CLC.
I am currently in the process of buying my council flat in Long Buckby. I have a mortgage offer with Coventry BS. 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 Coventry BS, you will need to appoint a solicitor on the Coventry BS conveyancing panel.
I opted to have a survey carried out on a property in Long Buckby ahead of appointing solicitors. I have been informed that there is a flying freehold element to the property. Our surveyor has said that some mortgage companies will not issue a mortgage on a flying freehold property.
It depends who your proposed lender is. Lloyds has different requirements for example to Nationwide. If you e-mail us we can check via 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 Long Buckby. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Long Buckby to see if the conveyancing costs will increase in light of this.
My company is wishing to lease a unit on a shopping parade. Can you recommend solicitors offering competitive costs for non-domestic conveyancing in Long Buckby for less than £1,200?
We are happy to recommend firms who host a wealth of experience of commercial conveyancing in Long Buckby, including the disposal and purchase of businesses as well as simply premises. Whether you are looking to buy or lease a shop, pub, restaurant, office, retail unit or a whole business we will put you in touch with the right firm. As for the charges this will depend on the structure and heads of terms of the deal. Let us have your contact information or email us so that we may provide you with comprehensive commercial conveyancing quote.
I am using a search engine for the term cheap conveyancing in Long Buckby it brings up many conveyancerslocally. How do I determine which is the right conveyancer for the sale of my house?
The preferential way of choosing a suitable conveyancer is through a personal recommendation, so seek the guidance of colleagues and relatives who have bought a property in Long Buckby or the respected estate agent or mortgage broker. Fees for conveyancing in Long Buckby vary, so it's a good idea to request a minimum of four fee calculations from varying types of companies. Dont forget to clarify that the costs are guaranteed not to to be inflated.
I am an executor of my recently deceased parent's Will, with a house in Long Buckby which will be sold. The property is unregistered at the Land Registry and I'm told that some estate agents will insist that it is completed before they'll proceed. What's the mechanism for this?
In the circumstances that you have set out it seems advisable to seek to register in the names of the personal representative(s) as named in the probate and in their capacity as PRs. HMLR’s online guidance explains how to register for the first time and what is required re the deeds and forms. You would need to include and certified copy of the probate as well and complete the form FR1 to refer to the PRs as the applicant.