It is is a decade since I bought my home in Crewkerne. Conveyancing solicitors have recently been retained on the sale but I can't locate my title deeds. Will this jeopardise the sale?
Don’t worry too much. Firstly there is a possibility that the deeds will be kept by your lender or they may stored with the conveyancers who oversaw the purchase. Secondly the likelihood is that the property will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining up to date copy of the land registers. Almost all conveyancing in Crewkerne relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is not insurmountable.
Our lender has suggested solicitors on their panel based in Crewkerne but I would rather use a conveyancing lawyer in Crewkerne local to me. Can you help?
It is by no means the case that all Crewkerne conveyancing practices are approved and listed on all lender’s conveyancing panel. Do make use of our search tool to find a Crewkerne conveyancing solicitor on the on the bank panel.
What does a local search inform me about the property my wife and I purchasing in Crewkerne?
Crewkerne conveyancing often starts with the ordering local authority searches directly from your local Authority or through a personal search company for instance Searches UK The local search is essential in every Crewkerne conveyancing purchase; as long as you wish to avoid any nasty once you have moved into your property. The search will supply 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 13 topic headings.
My wife and I have a renovated Victorian house in Crewkerne. Conveyancing lawyer represented me and . I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold under the exact same property. Is it worth asking to clarify?
You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Crewkerne and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with the conveyancing solicitor who conducted the work.
Due to the input of my in-laws I had a survey completed on a property in Crewkerne in advance of retaining lawyers. I have been told that there is a flying freehold aspect to the property. The surveyor advised that some lenders will refuse to give a mortgage on this type of home.
It depends who your proposed lender is. Santander has different instructions from Birmingham Midshires. Should you wish to telephone us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Crewkerne. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Crewkerne to see if the conveyancing will be more expensive.