Willinstructing a Mottingham conveyancing practice make my purchase more efficient?
On the whole conveyancing solicitors in your neck of the woods will enjoy strong connections with your local authority, which could help with your Mottingham conveyancing searches that your solicitor will require. It can only be a plus if they enjoy strong connections with the Land Registry covering your area Mottingham, other conveyancers in the area and Mottingham Estate Agents.
It is a dozen years since I bought my house in Mottingham. Conveyancing solicitors have just been appointed on the sale but I can't track down the title documents. Is this a problem?
Don’t worry too much. First the deeds may be kept by your mortgage company or they may still be with the conveyancers who oversaw the purchase. Secondly in all probability the title will be registered at the land registry and you will be able to establish that you own the property by your conveyancing solicitors procuring current official copies of the land registers. The vast majority of conveyancing in Mottingham relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is not insurmountable.
My bid for a property was accepted at auction in Mottingham. Conveyancing is necessary. What are my next steps?
Given that you have now exchanged you now have to hire the services of a conveyancing lawyer soon as you will have a fast approaching a drop dead date to complete the purchase. All auction property will have a corresponding auction pack. This should include evidence of title and search results. Where you are dealing with leasehold premises the auction papers should contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation specific to a leasehold property. You must give this to your appointed conveyancing solicitor ASAP. You also need to ensure that your finances are in order to complete on the date specified in the contract.
We are getting the release of further funds on our mortgage from Co-operative as we want to carry out renovations to our home in Mottingham. Do we need to appoint a local Mottingham solicitor on the Co-operative conveyancing panel to handle the legals?
Co-operative would not normally instruct firms on their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Co-operative conveyancing panel.
I am due to exchange contracts on my house. I had a double glazing fitted in April 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, UBS are being difficult. The Mottingham solicitor who is on the UBS conveyancing panel is recommending indemnity insurance as a solution but UBS are requiring a building regulation certificate. Why do UBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that UBS have referred the matter to their valuer. The reason why UBS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I used Wolstenholmes a few years past for my conveyancing in Mottingham. Now, I need my files however the law firm is no longer operating. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Mottingham 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 Mottingham differ for newly converted properties?
Most buyers of new build or newly converted property in Mottingham come to us having been asked by the builder to exchange contracts and commit to the purchase even before the premises is constructed. This is because new home sellers in Mottingham typically acquire the real estate, 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 conveyancing solicitors 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 Mottingham or who has acted in the same development.
I opted to have a survey carried out on a property in Mottingham before retaining conveyancers. I have been told that there is a flying freehold element to the house. The surveyor has said that some mortgage companies will refuse to issue a mortgage on such a premises.
It depends who your proposed lender is. Bank of Scotland has different instructions from Nationwide. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Mottingham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Mottingham to see if the conveyancing will be more expensive.