It is is a decade since I acquired my property in Putney Heath. Conveyancing solicitors have now been instructed on the sale but I can't find my title deeds. Will this cause complications?
You need not be too concerned. First the deeds may be kept by the lender or they may stored with the solicitor who acted in your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors procuring current official copies of the land registers. Nearly all conveyancing in Putney Heath involves registered property but in the rare situation where your home is unregistered it is more tricky but is not insurmountable.
I have a decision in principle. The lender mentioned the loan came with free conveyancing. Does this mean I have to use their panel conveyancer as I would much rather use a high street conveyancing solicitor in Putney Heath?
Do check but the the probability is that give you one of their panel lawyers where you want the "fee-free" deal. Speak to the lender to determine if they make available a monetary alternative. Some banks have previously offered a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor near Putney Heath.
We are purchasing a property in Putney Heath. It might be a silly question but how we can trust a lawyer? On completion day we will need to put our life savings into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
Can I be sure that the Putney Heath conveyancing solicitor on the Bank of Ireland panel is any good?
When it comes to conveyancing in Putney Heath obtaining recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always advocate that you speak with the solicitor handling your conveyancing.
I have today made my last payment due on my mortgage with Bank of Ireland. I assume I don't need a Putney Heath property lawyer on the Bank of Ireland panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Bank of Ireland mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Bank of Ireland mortgage from the register. Bank of Ireland, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Bank of Ireland has sent the Land Registry the discharge electronically, and
- Bank of Ireland has instructed the Land Registry to do so
Are there restrictive covenants that are commonly identified during conveyancing in Putney Heath?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Putney Heath. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I need to appoint a conveyancing solicitor for residential conveyancing in Putney Heath. I happened to stumble across a web site which looks to be the ideal offering If there is a chance to get all formalities done via phone that would be preferable. Do I need to be concerned? What are the potential pitfalls?
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?
Been reading online that Putney Heath solicitors are more costly than Putney Heath conveyancers in Putney Heath when it comes to buying a house. So is it better if I use a conveyancer or a solicitor where I am buying for my home move in Putney Heath.
When it comes to conveyancing in Putney Heath the costs are unlikely to vary dramatically depending on whether the legal expert is a licenced conveyancer or solicitor.