It is a dozen years since I acquired my home in Cornwall. Conveyancing lawyers have now been retained on the sale but I am unable to locate my title deeds. Will this jeopardise the sale?
You need not be too concerned. Firstly the deeds may be retained by your mortgage company or they could still be with the conveyancers who acted in your 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 acquiring up to date copy of the land registers. Most conveyancing in Cornwall involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
I have 70 years left on my lease and require a lease extension for my apartment in Cornwall. Conveyancing solicitors on the Bank of Ireland panel can deal with such extensions correct?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 11/12/2018 the requirements read as follows :
How can we know in advance if a Cornwall conveyancing solicitor on the Skipton panel is any good?
When it comes to conveyancing in Cornwall getting recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the lawyer conducting your conveyancing.
Completion of my remortgage has taken place for my property in Cornwall. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Nottingham have agreed my home loan in principle, my bid on a property in Cornwall has been accepted, what are the next steps?
Your property agent will want to know who your solicitors are (ensure that the solicitors are on the lender’s panel). Call up Nottingham or the financial adviser and finalise any appropriate forms. Nottingham will sellect a valuer who will get in touch with the selling agent or owners to arrange an appointment. Once conducted (assuming no problems) it takes on average a week to get a mortgage offer. Nottingham will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Cornwall.
I have recentlyfound out that Arc property Solicitors have closed. They carried out my conveyancing in Cornwall for a purchase of a leasehold flat 18 months ago. How can I be sure that my home is in my name in the name of the former proprietor?
The easiest method to see if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Cornwall conveyancing specialists.
We are a fortnight into a residential purchase having been directed to solicitors by the selling agent to do our conveyancing in Cornwall. I am not happy. Can you you assist me in finding new conveyancers?
They would have to be really bad to suggest replacing them. Has your mortgage been issued? If so you will need to advise them of the replacement solicitor and have the loan are re-sent. The conveyancer needs to be on the mortgage company panel to avoid supplemental charges and delays. That should be your starting point. The find a solicitor tool can assist you in finding a bank approved lawyer for your conveyancing in Cornwall