It is is a decade since I bought my property in Whitehaven. Conveyancing lawyers have just been instructed on the sale but I am unable to locate the deeds. Will this jeopardise the sale?
You need not be too concerned. First there is a chance that the deeds will be kept by your mortgage company or they could be archived with the lawyers who acted in the purchase. Secondly in most cases the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors obtaining current official copies of the land registers. Most conveyancing in Whitehaven involves registered property but in the unlikely event that your home is not registered it is more tricky but is resolvable.
My grandmother passed away last year and as sole heir and executor I was left the house in Whitehaven. The house had a small mortgage remaining of approximately £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Yorkshire BS, pay off the mortgage. Is this allowed?
If you plan to re-mortgage then Yorkshire BS will require that you use a conveyancer on the Yorkshire BS 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 Yorkshire BS 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 Yorkshire BS mortgage is registered as a charge at the Land Registry.
I understand that there are debates on Chancel Insurance on online forums. Am I compelled to take this when purchasing a house in Whitehaven? or I am told that there is a law dating back centuries that means some house owners residing in a parish church boundary may be liable to contribute towards repairs to the chancel within the church. Is this applicable for conveyancing in Whitehaven?
Unless a prior acquisition of the house took place post 12 October 2013 you may take it that lawyers delivering conveyancing in Whitehaven to continue to advocate a chancel search and or insurance against a claim.
Are there any apps to help identify a Whitehaven solicitor on the Clydesdale conveyancing panel? I am a keen cyclist and am willing to travel upto 25kilometers to meet the conveyancer.
You can use the facility on this page. Please pick a bank and your location and you will see a number of Whitehaven conveyancing lawyers located nearest you. We have detailed some Whitehaven conveyancing firms at the bottom of this page and you can call them to see whether they are on the Clydesdale member panel
Expecting to exchange soon on a studio apartment in Whitehaven. Conveyancing solicitors have said that they are sending me a report next week. Are there areas in the report that I should be focusing on?
Your report on title for your leasehold conveyancing in Whitehaven should include some of the following:
if lease has a provision for a slush account for major works? Are pets allowed in the flat? Responsibility to repair and maintain the main walls and foundations. It is important for you to know who is responsible the repair and maintenance of every part of the building The physical extent of the property. This could be the flat itself but may incorporate a roof space or cellar if applicable. Alterations to the flat
Whitehaven Leasehold Conveyancing - Examples of Queries Prior to buying
What is the maintenance charge and ground rent on the apartment? How many years are left on the lease? It is important to be aware whether redecorating or some other major work is due shortly to be shared by the leaseholders and will dramatically increase the the service charges or result in a one time payment.
Why is New Build conveyancing in Whitehaven more costly?
Conveyancing in Whitehaven for recently converted or new build homes usually involve adoption of highways & drains, building regulations approval, planning permission, new build warranties such NHBC as well as further investigations and contractual concerns.