It is a dozen years since I purchased my house in Rogerstone. Conveyancing lawyers have just been retained on the sale but I can't locate the title documents. Will this jeopardise the sale?
Don’t worry too much. Firstly the deeds may be with the mortgage company or they could be archived with the conveyancers who oversaw the purchase. Secondly in all probability the property will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Rogerstone involves registered property but in the rare situation where your property is unregistered it adds to the complexity but is resolvable.
My grandfather passed away six months ago and as sole heir and executor I was left the house in Rogerstone. The house had a relatively small loan remaining of approximately £5k. I want to have the title changed into my name whilst I re-mortgage to Nationwide, pay off the mortgage. Is this allowed?
Given you plan to refinance then Nationwide will insist on your using a conveyancer on the Nationwide conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Nationwide conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Nationwide mortgage is registered as a charge at the Land Registry.
I need some fast conveyancing in Rogerstone as I am faced with pressure to complete inside 4 weeks. A mortgage is not required. Can I avoid the conveyancing searches to save fees and time?
If.Given you are not getting a mortgage you have the choice not to do searches although no solicitor would recommend that you don't. With lots of history conveyancing in Rogerstone the following are instances of what can be revealed and therefore affect market value: Enforcement Actions, Overdue Fees, Outstanding Grants, Road Schemes,...
My uncle has suggested that I instruct his lawyers for conveyancing in Rogerstone. Should I use them?
Much as we are happy to recommend a Rogerstone conveyancing lawyer the ideal way to find a conveyancing lawyer is to have recommendations from friends or relatives who have actually used the solicitor you're contemplating using.
What are the common defects that you come across in leases for Rogerstone properties?
Leasehold conveyancing in Rogerstone is not unique. All leases are individual and legal mistakes in the legal wording can sometimes mean that certain provisions are wrong. The following missing provisions could result in a defective lease:
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Insurance obligations Maintenance charge proportions which don’t add up to the correct percentage
You may encounter a problem when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Lloyds TSB Bank, Coventry Building Society, and Nottingham Building Society all have very detailed requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease is problematic they may refuse to provide security, obliging the buyer to withdraw.
Rogerstone Leasehold Conveyancing - A selection of Queries before Purchasing
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What is the name of the managing agents? How long is the Lease?
A conveyancing company acted on my conveyancing in Rogerstone half a dozen years ago having stored my registration certificates but has now closed – how do I retreive these?
Title deeds, as such, no longer exist as the majority of homes in Rogerstone are recorded digitally at Land Registry. Where you need to establish evidence of proprietorship or are selling or re-mortgaging your conveyancer can 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.