My house in Oswestry is up for sale and I have accepted an offer. Does my conveyancer have to be required to be on the Yorkshire BS conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Yorkshire BS conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently currently.
Despite weeks of looking the Title Certificate and documents to our home are lost. The conveyancers who conducted the conveyancing in Oswestry 5 years ago no longer exist. Will I be able to sell the house?
Assuming you have a registered title the details of your ownership will be documented by the Land Registry with a Title Number. It is possible to carry out a search at the Land Registry, identify your property and get current copies of the Registered Entries for less than a fiver. Where the property is Leasehold then the Land Registry will usually retain a certified copy of the Registered Lease and again, a copy can be ordered for twenty pounds.
I'm purchasing a new build house in Oswestry with a loan from Coventry Building Society. The sellers would not budge the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The house builders rep advised me not to tell my solicitor about the side-deal as it may adversely affect my mortgage with Coventry Building Society. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the encouragement of my in-laws I had a survey completed on a house in Oswestry prior to instructing conveyancers. I have been informed that there is a flying freehold element to the house. Our surveyor advised that some lenders may not grant a loan on this type of premises.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Oswestry. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Oswestry to see if the conveyancing costs will increase in light of this.
I have been sourcing a conveyancing solicitor in Oswestry for my house move. Can I review a solicitor's record with the legal regulator?
Members of the public may search for documented Solicitor Regulator Association (SRA) decisions stemming from inquisitions commenced on or after 1 January 2008. Go to Check a solicitor's record. For details Pre 2008, or to check a firm's record, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, dial +44 (0)121 329 6800. The regulator may recorded call for training purposes.
A licensed conveyancer dealt with my conveyancing in Oswestry half a dozen years ago and was holding my deeds but has now closed – What can I do to get hold of them?
Title deeds, as such, no longer exist as the majority of homes in Oswestry are recorded electronically at Land Registry. Should you need to prove evidence of proprietorship or are disposing of or re-mortgaging your lawyer should obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.