It is is a decade since I acquired my house in Oval. Conveyancing lawyers have now been retained on the sale but I can't track down my deeds. Will this jeopardise the sale?
Don’t worry too much. Firstly the deeds may be with your mortgage company or they could stored with the lawyers who acted in your purchase. Secondly in all probability the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring up to date copy of the land registers. Nearly all conveyancing in Oval relates to registered property but in the rare situation where your home is not registered it is more problematic but is not insurmountable.
I am aiming to move property in December. Will my conveyancing solicitor liaise with the removal company on the day of completion. As an aside, can you suggest a removal company in Oval. Conveyancing firm was found before I stumbled across your website.
On the day of completion you can collect the house keys from the property agent however this can only occur once the previous owners solicitors inform the agent that they have the completion monies and the keys can be handed over. You should tell the removal men that you are ready to move in. We do not suggest a particular removal organisation but can help you choose a conveyancing in Oval or a lawyer with expertise in conveyancing in Oval.
We expect to receive a OIP from HSBC this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do HSBC recommend any Oval solicitors on the HSBC conveyancing panel, or is it better to go independently?
You will need to appoint Oval solicitors independently although you'll need to choose one on the HSBC conveyancing panel. The solicitor represents both you and HSBC through the process.
I am selling my house. I had a double glazing fitted in February 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Clydesdale are being difficult. The Oval solicitor who is on the Clydesdale conveyancing panel is recommending indemnity insurance as a solution but Clydesdale are requiring a building regulation certificate. Why do Clydesdale have a conveyancing panel if they don't accept advice from them?
It is probably the case that Clydesdale have referred the matter to their valuer. The reason why Clydesdale 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.
A relative advised me that if I am buying in Oval I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is usually included in the estimate for your Oval conveyancing searches. It is not a small document of more than thirty pages, listing and detailing important information about Oval around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful information concerning Oval.
Yesterday I discovered that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a straight forward, chain free conveyancing. Oval is where the house is located. Can you shed any light on this issue?
Flying freeholds in Oval are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Oval you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Oval 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.
I need to retain a conveyancing solicitor for some conveyancing in Oval. I've stumble upon a web site which looks to be the ideal answer If it is possible to get all this stuff done via email that would be ideal. Should I be concerned? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
Do lenders provide you with an approved list of Oval solicitors? How do you know who is on the mortgage company conveyancing panel?
Oval law firm practices and firms conducting conveyancing in Oval themselves provide us confirmation that they are on the bank conveyancing panel as opposed to being supplied with a list from the lender directly.