It is a dozen years since I acquired my property in Urmston. Conveyancing lawyers have now been retained on the sale but I am unable to locate the title deeds. Is this a major issue?
You need not be too concerned. First the deeds may be kept by your mortgage company or they may still be with the solicitor who handled the purchase. Secondly the likelihood is that the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors procuring up to date copy of the land registers. Almost all conveyancing in Urmston 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'm the single recipient of my late mum's estate with all property in now in my sole name, including the my former home in Urmston. The Urmston property was put into my name in December. I want to move. I do know about the CML 6 month 'rule', which means that my property ownership may be treated the same way as if I'd bought the house in December. Is the property unsalable for six months?
The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you may be impacted by that. Most mortgage companies would take a pragmatic view as this clause principally exists to capture the purchase and immediately sell or the quick reselling of property.
I am currently in the process of buying my council flat in Urmston. I have a mortgage offer with Co-operative. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Co-operative, you will need to appoint a solicitor on the Co-operative conveyancing panel.
Planning on purchasing a apartment in Urmston. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Kent Reliance conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Urmston conveyancer is on the Kent Reliance conveyancing panel.
I used Action Conveyancing several years ago for my conveyancing in Urmston. I now require my papers however the law firm is no longer operating. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Urmston of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what was supposed to be a simple, chain free conveyancing. Urmston is where the house is located. What do you suggest?
Flying freeholds in Urmston are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Urmston you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Urmston 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 property.
I'm converting the mortgage on my current property to a buy to let loan with Clydesdale and I will use the ballance of the raised equity as a down payment on further house. The location we are talking about is Urmston. Will your solicitors be able to act for both sets of banks and tie in the transactions?
Do use our comparison tool on this page to ensure that the solicitors are approved by both banks. Having checked that they are your solicitor will be able to tie up the two transactions but you should have a chat with you lawyer and make apparent your desired outcome and requirements.
Am I best advised to choose a Urmston conveyancing practitioner who is local to the property I am purchasing? An old friend can execute the conveyancing but they are based over three hundred miles away.
The primary upside of using a high street Urmston conveyancing firm is that you can visit the firm to execute documents, present your ID and pester them where appropriate. Having local Urmston know how is a benefit. That being said it's more important to get someone that will do a good and efficient job. If if people you trust used your friend and the majority were content that must trump using an unfamiliar Urmston conveyancing lawyer just because they are local.