It is a dozen years since I bought my home in Colyers. Conveyancing solicitors have now been appointed on the sale but I am unable to locate my title deeds. Is this a major issue?
Don’t worry too much. First the deeds may be retained by your lender or they could be archived with the lawyers who handled the purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors acquiring up to date copy of the land registers. Nearly all conveyancing in Colyers involves registered property but in the rare situation where your property is not registered it is more problematic but is resolvable.
Do I have to pop into the offices of the solicitor to sign the mortgage deed? If so, I will instruct a firm who offer conveyancing in Colyers so that I can pop in to their offices if necessary.
Nowadays conveyancing panel lawyers for banks carry out the vast majority of communications via Royal Mail, internet or over phone calls. This enables them to conduct the conveyancing transaction regardless of where you live in England or Wales. However you should see if you have the option of visiting the offices of your conveyancing lawyer if you prefer.
I have been on the look out for a flat up to £195,000 and found one near me in Colyers I like with open areas and railway links in the vicinity, however it only has 52 years on the lease. I can't really find anything else in Colyers for this price, so just wondered if I would be making a grave error buying a lease with such few years left?
Should you require a mortgage the remaining unexpired lease term will likely be an issue. Reduce the price by the anticipated lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for a minimum of twenty four months you can request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease and have £0 ground rent by law. You should speak to your conveyancing lawyer about this.
Taking into account that I am about to spend £400,000 on a house in Colyers I would like to talk to a conveyancer concerning thehouse move before appointing the firm. Can this be arranged?
This is something that we recommend - we would be delighted to talk to you we do not take any clients on without you first talking to the solicitor due to be conducting your property ownership legalities in Colyers.There is no ‘factory style conveyancing’ - each client is unique individual, not a matter reference. The solicitors that we put you in touch with believe that the fees you are provided with for residential conveyancing in Colyers should be the amount on the final invoice that you end up paying.
My fiance and I have just had an offer accepted on a property and had an appointment on Monday with the Post Office for the mortgage. They warned me that when it comes to choosing a lawyer that unless they are on their approved panel of solicitors then we will be subject to an an additional charge of about two hundred pounds. This is is due to the fact that they would then have to select a conveyancer to act for them as well as the one we choose to act for ourselves and we will be on the hook for their invoice. I have asked the Post Office to send me with a list so I can request quotes only from their approved conveyancers but was told they dont have such a list to hand over. Is there a list online?
You should ask the Post Office what their criteria for joining their panel is for a solicitor.Thereafter ask the conveyancer of your choice whether they fit that criteria and have they acted on mortgages for the Post Office historically. Where the answer to those is yes, then just double check with the Post Office. Another option is to use our search facility and we should be able to locate a conveyancer in Colyers on the approved list for the Post Office.