It is is a decade since I purchased my property in Milton Keynes. Conveyancing lawyers have just been appointed on the sale but I am unable to locate my title documents. Is this a problem?
Don’t worry too much. Firstly the deeds may be with your lender or they could be in the possession of the solicitor who handled the purchase. Secondly the chances are that the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors acquiring up to date copy of the land registers. Nearly all conveyancing in Milton Keynes involves registered property but in the unlikely event that your property is not registered it adds to the complexity but is resolvable.
My Conveyancer in Milton Keynes has never been on on the HSBC Bank Approved Panel. Is it possible for me to continue with my prefered solicitor notwithstanding that they are excluded from the HSBC Bank list of approved lawyers?
The limited options open to you here include:
- Complete the purchase with your preferred Milton Keynes solicitors but HSBC Bank will need to instruct a lawyer on their panel. This will inevitably rack up the overall conveyancing fees as well as result in frustration.
- Get a new practitioner to to deal with the purchase, obviously checking they are on the HSBC Bank panel
Various online forums that I have frequented warn that are a common reason for hinderance in Milton Keynes house deals. Is that correct?
The Council of Property Search Organisations (CoPSO) has noted the determinations of research by MoveWithUs that conveyancing searches do not feature within the most frequent causes of hindrances during the legal transfer of property. Local searches are not likely to feature in any holding up conveyancing in Milton Keynes.
My wife and I own a semi-detached Victorian property in Milton Keynes. Conveyancing practitioner represented me and Skipton Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold with the exact same property. I thought I was buying a freehold how can I check?
You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Milton Keynes and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with your conveyancing lawyer who conducted the work.
I am one month into a residential purchase having been referred to a firm by the high street agent to handle our conveyancing in Milton Keynes. I am am very dissatisfied with the quality of service. Can you you assist me in finding new solicitors?
They would need to be really bad to suggest diss instructing them. Has the loan offer been sent? In the event that it has you need to inform them of the new contact details and get the offer are re-issued. The solicitor ideally should be on the lenders panel to avoid added charges and delays. So that should be your starting point. The search tool should assist you in finding a lender approved lawyer for your conveyancing in Milton Keynes
At long last our conveyancing in Milton Keynes is set to complete next Friday, but the person I am buying off wishes to move out 24 hours later at afternoon. Can I agree to such a plan?
You can't complete on a Saturday because the bank systems aren't working.