It is 10 years ago since I acquired my home in Bradley Stoke. Conveyancing solicitors have now been appointed on the sale but I can't track down my deeds. Will this jeopardise the sale?
You need not be too concerned. Firstly the deeds may be with the lender or they may still be with the solicitor who handled your purchase. Secondly in most cases the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Nearly all conveyancing in Bradley Stoke involves registered property but in the rare situation where your property is not registered it adds to the complexity but is resolvable.
The deeds to our home can not be found. The solicitors who did the conveyancing in Bradley Stoke 4 years ago are no longer around. Will I be able to sell the house?
Assuming you have a registered title the information relating to your ownership will be held by HMLR under a Title Number. It is possible to perform a search at the Land Registry, locate your house and obtain up to date copies of the Registered Entries for a small fee. If the title is Leasehold then the Land Registry will in most cases retain a certified copy of the Registered Lease and again, a copy can be ordered for a small fee.
Due to the guidance of my in-laws I had a survey completed on a house in Bradley Stoke in advance of instructing lawyers. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some lenders will refuse to issue a mortgage on this type of home.
It depends who your proposed lender is. HSBC has different requirements for example to Halifax. Should you wish to telephone us we can investigate further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Bradley Stoke. Conveyancing will be smoother if you use a solicitor in Bradley Stoke especially if they are familiar with such properties in Bradley Stoke.
My husband and I are 3 weeks into a leasehold purchase having been referred to a firm by the high street agent to execute conveyancing in Bradley Stoke. We are not happy. Can you you assist me in finding new lawyers?
A lawyer would need to be very bad to suggest replacing them. Has your mortgage been generated? If so you must advise them of the new contact details and ensure the offer are issued to the new lawyers. Your solicitor ideally should be on the lenders panel to avoid supplemental fees and complications. So that should be your starting point. Our search tool will help you find a lender approved solicitor for your conveyancing in Bradley Stoke
How and when do I cover the costs of the Stamp Duty Land Tax due for my house transaction in Bradley Stoke?
Most solicitors will fill out a stamp duty return on your behalf as part of your Bradley Stoke purchase transaction for signature. After completion your conveyancing practitioner will submit your STL application to the Tax Authorities and - as long as they have the money - discharge any Stamp Duty due for you.