It is is a decade since I acquired my house in Lower Morden. Conveyancing lawyers have just been retained on the sale but I am unable to locate the title documents. Will this cause complications?
You need not be too concerned. Firstly the deeds may be kept by the mortgage company or they could be in the possession of the solicitor who oversaw your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Almost all conveyancing in Lower Morden relates to registered property but in the unlikely event that your property is not registered it is more tricky but is resolvable.
I used Action Conveyancing several years ago for my conveyancing in Lower Morden. I now require my papers however the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Lower Morden of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Lower Morden differ for newly converted properties?
Most buyers of new build residence in Lower Morden contact us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the residence is finished. This is because developers in Lower Morden tend to acquire the site, 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 property lawyers 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 Lower Morden or who has acted in the same development.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on a fortnight ago in what should have been a straight forward, no chain conveyancing. Lower Morden is where the house is located. Can you offer any guidance?
Flying freeholds in Lower Morden are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Lower Morden you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Lower Morden 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 residence.
Is it simple use the search facility to get a costs illustration from a conveyancing lawyer in Lower Morden on the authorised to act for my bank?
1st choose a mortgage company such as HSBC Bank, The Royal Bank of Scotland or Bank of Ireland then choose your preferred area e.g. Lower Morden. Conveyancing practices in Lower Morden and across England and Wales should be shown.
My mum and dad cant seem to find their Lower Morden land registry title on the site. They recall that back in the 60’s when they bought the house there were complications regarding Lower Morden not being identified on some systems.
The vast majority of premises in Lower Morden should be revealed. Have you limited your search to just the postcode. Normally it will mention all the premises within the postcode. Assuming the property is registered it will show up with a title number. Where they bought 48 years ago it's conceivable it may be unrecorded. The address might still be revealed but with the title number identified as 'na'. In this scenario you will need to track down the original title deeds which may be with your parent’s lender.