It is 10 years ago since I bought my home in Calne. Conveyancing lawyers have recently been appointed on the sale but I can't track down the title deeds. Is this a major issue?
You need not be too concerned. Firstly there is a possibility that the deeds will be kept by the lender or they could be in the possession of the solicitor who acted in your purchase. Secondly the likelihood is that 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 obtaining up to date copy of the land registers. Nearly all conveyancing in Calne involves registered property but in the unlikely event that your property is unregistered it adds to the complexity but is not insurmountable.
What does a local search reveal concerning the house I am purchasing in Calne?
Calne conveyancing often starts with the submitting local authority searches directly from your local Authority or through a personal search organisations such as Xpress Legal The local search is essential in every Calne conveyancing purchase; as long as you wish to avoid any nasty once you have moved into your new home. The search should reveal data on, amongst other things, details on planning applications relevant to the property (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 thirteen subject sections.
How does conveyancing in Calne differ for new build properties?
Most buyers of new build premises in Calne contact us having been asked by the builder to sign contracts and commit to the purchase even before the residence is constructed. This is because new home sellers in Calne usually acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Calne or who has acted in the same development.
Am I right to be suspicious about third parties that I am dealing with are recommending an online conveyancing firm as opposed to a High Street Calne conveyancing company?
As is the case with many professional services, often referrals from relatives can be very helpful. But there are lots of players in a conveyancing transaction; estate agents, mortgage brokers and mortgage companies might all suggest solicitors to instruct. On occasion these conveyancers might be known to one of the organisations as being good in their field, but occasionally there behind the scenes commercial relationship behind the endorsement. You have the discretion to select your preferred lawyer. Don't forget that some lenders operate an approved list of conveyancers you are obliged to use for the mortgage related work in your transaction.
I have been sourcing a conveyancing solicitor in Calne for my home move. Is there any facility to review a firm’s record with the legal regulator?
Members of the public can review published Solicitor Regulator Association (SRA) decisions resulting from inquisitions from 2008 onwards. Visit Check a solicitor's record. For records Pre 2008, or to check a firm's history, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, dial +44 (0)121 329 6800. The SRA could monitor call for training purposes.