It is a dozen years since I bought my property in Tintagel. Conveyancing solicitors have just been retained on the sale but I can't track down the title documents. Is this a problem?
You need not be too concerned. Firstly the deeds may be retained by your mortgage company or they may stored with the solicitor who handled the purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers acquiring up to date copy of the land registers. Most conveyancing in Tintagel relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is not insurmountable.
I am selling my apartment in Tintagel. Does the conveyancing practitioner have to be required to be on the Kent Reliance conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the Kent Reliance conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their panel criteria fairly frequently at the moment.
We are due to move property in September. Does my conveyancing solicitor communicate with the removal company on the completion day. On a separate note, can you suggest a removal company in Tintagel. Conveyancing firm was chosen before I stumbled across your page.
On the afternoon of completion you can pick up the keys from your estate agent however this can only be done when the vendors conveyancers advise the agent that they have the completion monies and the keys can be collected. After that you can advise the removal men that you are ready to move in. We do not suggest a particular removal company but can help you find a residential property solicitor in Tintagel or a lawyer with expertise in conveyancing in Tintagel.
I have today made my last payment due on my mortgage with Nottingham. I assume I don't need a Tintagel conveyancer on the Nottingham panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Nottingham 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 Nottingham mortgage from the register. Nottingham, 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 Nottingham has sent the Land Registry the discharge electronically, and
- Nottingham has instructed the Land Registry to do so
I recently had an offer agreed on an apartment in Tintagel. My financial adviser recommended their conveyancers. I paid an advanced payment of £150. Shortly after, the conveyancer contacted me embarrassingly acknowledging that they were not on the TSB conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the TSB panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I need some quick conveyancing in Tintagel as I am faced with pressure to complete within 4 weeks. Thankfully I do not need a mortgage. Can I decline from having conveyancing searches to save fees and time?
As you are are a cash buyer you are at liberty not to do searches although no solicitor would recommend that you don't. Drawing on our experience of conveyancing in Tintagel the following are instances of issues that can arise and therefore impact market value: Refused Planning Applications, Overdue Fees, Outstanding Grants, Unadopted Roads,...
Are there restrictive covenants that are commonly picked up as part of conveyancing in Tintagel?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Tintagel. 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…’
Due to the guidance of my in-laws I had a survey completed on a house in Tintagel in advance of retaining solicitors. I have been informed that there is a flying freehold element to the property. My surveyor advised that some lenders may not issue a mortgage on a flying freehold property.
It varies from the lender to lender. Bank of Scotland has different requirements from Nationwide. Should you wish to telephone us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Tintagel. Conveyancing may be slightly more expensive based on your lender's requirements.