It is a dozen years since I bought my house in Darley Abbey. Conveyancing lawyers have now been appointed on the sale but I can't find my deeds. Is this a major issue?
You need not be too concerned. Firstly there is a possibility that the deeds will be with the lender or they could be archived with the solicitor who oversaw your purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in Darley Abbey relates to registered property but in the rare situation where your property is not registered it is more of a problem but is resolvable.
My grandfather passed away six months ago and as sole heir and executor I was left the property in Darley Abbey. The house had a relatively small loan remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to Lloyds, pay off the mortgage. Is this possible?
If you plan to refinance then Lloyds will require that you use a conveyancer on the Lloyds conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Lloyds conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Lloyds mortgage is registered as a charge at the Land Registry.
I require quick conveyancing in Darley Abbey as I am faced with pressure to complete inside one month. Luckily I do not need a mortgage. Can I avoid the conveyancing searches to save fees and time?
If.Given you are not obtaining a mortgage you are at liberty not to do searches although no lawyer would suggest that you don't. With lots of history conveyancing in Darley Abbey the following are instances of issues that can appear and therefore impact future mortgageability: Refused Planning Applications, Outstanding Charges, Overdue Grants, Unadopted Roads,...
Due to the encouragement of my in-laws I had a survey completed on a house in Darley Abbey prior to appointing solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies will refuse to grant a loan on a flying freehold premises.
It varies from the lender to lender. HSBC has different requirements for example to Nationwide. Should you wish to call us we can check with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Darley Abbey. Conveyancing may be slightly more expensive based on your lender's requirements.
How do I identify a Darley Abbey law firm on the Santander conveyancing panel? I drive a motor bike and am willing to travel upto 25kilometers to meet the lawyer.
You can use the search on this website. Please pick a lender and your location and you will see a number of Darley Abbey conveyancing lawyers based on proximity. We have detailed some Darley Abbey conveyancing firms towards the end of this page and you can call them to check whether they are on the Santander approved list