It is 10 years ago since I purchased my property in Rottingdean. Conveyancing solicitors have just been retained on the sale but I am unable to find the title documents. Is this a major issue?
You need not be too concerned. Firstly the deeds may be with the mortgage company or they could be archived with the conveyancers who acted in the purchase. Secondly the likelihood is that the property will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining current official copies of the land registers. The vast majority of conveyancing in Rottingdean relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is resolvable.
The deeds to my house can not be found. The lawyers who dealt with the conveyancing in Rottingdean 10 years ago have long since closed. What do I do?
Gone are the days when you need to hold title original deeds to evidence that you own the land or property, as the Land Registry hold details of all registered land or property electronically.
I'm purchasing my first flat in Rottingdean benefiting from help to buy. The sellers would not budge the amount so I negotiated 6k of extras instead. The house builders rep advised me not to tell my solicitor about this side-deal as it will impact my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder 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.
I decided to have a survey carried out on a house in Rottingdean in advance of appointing conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor has said that some banks tend refuse to give a mortgage on a flying freehold house.
It varies from the lender to lender. Bank of Scotland has different requirements from Nationwide. Should you wish to telephone us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Rottingdean. Conveyancing may be slightly more expensive based on your lender's requirements.
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At this site secure a fixed fee costs illustration from a Solicitor or Licensed Conveyancer that understands the nuances for your conveyancing in Rottingdean. Unlike many estate agents and brokerage sites we are not in the business of charging firms a commission if you choose them for your conveyancing in Rottingdean
My father-in-law has encouraged me to instruct his lawyers for conveyancing in Rottingdean. Should I use them?
Much as we are happy to recommend a Rottingdean conveyancing lawyer the best way to find a conveyancing lawyer is to get recommendations from friends or family who have actually experience in using the firm that you are are thinking of instructing.