We are expecting a mortgage offer soon. The lender mentioned the mortgage came with free conveyancing. Is the implication that I have to appoint their panel lawyer as I would much rather use a local conveyancing solicitor in Buckinghamshire?
You should check but the chances are that allocate you one of their panel conveyancers if you take up the "fee-free" deal. Speak to the lender and see if they allow a cash alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor near Buckinghamshire.
What can a local search inform me concerning the house I am buying in Buckinghamshire?
Buckinghamshire conveyancing often starts with the submitting local authority searches directly from your local Authority or through a personal search organisations such as Searches UK The local search is essential in every Buckinghamshire conveyancing purchase; that is if you don’t want any unpleasant once you have moved into your property. The search will reveal data on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject sections.
I own a terraced Victorian property in Buckinghamshire. Conveyancing practitioner represented me and Nationwide Building Society. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, the second leasehold with the matching address. If a house is not a freehold shouldn't I have been informed?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Buckinghamshire and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the position with your conveyancing solicitor who completed the work.
Do I need to be concerned about brokers that I am dealing with are suggesting a national conveyancing firm as opposed to a High Street Buckinghamshire conveyancing firm?
As is the case with lots of professional services, often suggestions from connections can be worth their weight in gold. Nevertheless there are lots of parties with a keen interest in a conveyancing deal; estate agents, financial adviser and banks may suggest solicitors to select. Sometimes these conveyancers might be known to one of the organisations as being good in their field, but occasionally there is an underlying financial incentive behind the endorsement. You are at liberty to select your preferred lawyer. However, bear in mind that many mortgage providers specify a panel list of conveyancers you are obliged to use for the mortgage related work in your conveyancing.
The conveyancers undertaking our conveyancing in Buckinghamshire has forwarded papers to review that state the land is unregistered with epitome documents. Why is the property not currently recorded at HM Land Regsitry?
It is a rare occurrence indeed to find property in Buckinghamshire to be unregistered. An 'epitome' is basically a dossier of photocopies of documents affecting an unregistered title. Plenty of Buckinghamshire conveyancing lawyers should be capable of dealing with this type of conveyancing but in the event that uncertainty prevails the conventional proposition presently is for the current owners to deal with the registration formalities first and thereafter sell - this this chain of events will cause a prolonged home move.