Is it necessary during the course of the conveyancing process to visit the offices of the solicitor to execute the mortgage deed? If so, I will appoint a lawyer who conducts conveyancing in Taplow so that I can attend their offices when needed.
Whereas this was necessary 15 years ago, almost all banks no longer oblige their conveyancing panel lawyer to witness the borrowers signature. It will still be necessary for you to hand over ID documents and there are still distinct benefits to choosing a locally based practitioner, in your case a conveyancing solicitor in Taplow.
How can we know in advance if a Taplow conveyancing solicitor on the TSB panel is any good?
When it comes to conveyancing in Taplow getting recommendations is a sensible 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 suggest that you speak with the solicitor handling your transaction.
We are getting the release of further funds on our home loan from Virgin Money as we intend to carry out alterations to our house in Taplow. Are we obliged to appoint a bricks and mortar Taplow solicitor on the Virgin Money conveyancing panel to handle the legals?
Virgin Money don't usually instruct firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Virgin Money list.
I have today made my last payment due on my mortgage with Bank of Ireland. I assume I don't need a Taplow conveyancer 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
Yesterday I discovered that there is a flying freehold element on a property I have offered on a fortnight ago in what was supposed to be a simple, chain free conveyancing. Taplow is the location of the property. Is there any advice you can give?
Flying freeholds in Taplow are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Taplow you must be sure that your lawyer goes through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Taplow 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 premises.
How do I use the search facility to choose a conveyancing lawyer in Taplow on the approved list for my lender?
First select a lender such as Lloyds TSB Bank, Barnsley Building Society or Godiva Mortgages Ltd then type in your location e.g. Taplow. Conveyancing firms in Taplow and further afield will then be shown.
We are a couple of weeks into a freehold purchase having been recommend to solicitors by the estate agent to do our conveyancing in Taplow. I am not happy. Could you you assist me in finding new lawyers?
They would need to be really poor in order to consider replacing them. Has your mortgage been sent? If so you need to make them aware of the new contact details and get the loan are issued to the new lawyers. Your new conveyancer should be on the lenders approved list to avoid added expenses and frustration. So that should be your first question of the new lawyers. The find a solicitor tool will help you find a bank approved lawyer for your home move in Taplow
How do I establish who is the owner of a property in Taplow?
As long as the property is registered with HM Land Registry, and you have the details of the location of the premises, you will be able to obtain results from the HMLR of the recorded proprietor for a for less than a fiver.