I plan on buying residence in Edwinstowe. My Conveyancer is not on the mortgage company conveyancing list. Am I still permitted to appoint my Edwinstowe conveyancing solicitor notwithstanding that they are excluded from the bank approved list?
You must have a conveyancing practitioner to complete the formalities when you take out a loan to buy your home. They will conduct all the appropriate investigations on the property, make sure that you will be registered as proprietor and ensure that all the necessary mortgage documentation is in place. You could instruct a Edwinstowe lawyer of your choosing. However, where the property lawyer selected is not on the bank approved list additional charges will arise as separate legal representation will be required by them. Bank panel applications can be submitted, so where your lawyer has not previously sought membership they can do so.
I am about to complete buying a house in Edwinstowe but as a consequence of wreckage from a small fire at the property I have managed to agree compensation from the seller in the sum of £2k taking the form of a deduction in the price. This was going to be addressed as part of the conveyancing process yet Kent Reliance will not agree to this. Why were they involved?
Your property lawyer being on the Kent Reliance conveyancing panel is duty bound to inform Kent Reliance of any amendments to the sale price. If you prohibit your solicitor to disclose the reduction to Kent Reliance then they would have to discontinue acting for you. In addition, Kent Reliance and you would have to appoint a new property lawyer for your conveyancing in Edwinstowe.
It is is a decade since I purchased my home in Edwinstowe. Conveyancing solicitors have recently been instructed on the sale but I am unable to find the deeds. Is this a major issue?
Don’t worry too much. First the deeds may be kept by the mortgage company or they could still be with the solicitor who handled your purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining current official copies of the land registers. The vast majority of conveyancing in Edwinstowe relates to registered property but in the unlikely event that your property is unregistered it is more tricky but is resolvable.
My wife and I have a terraced Edwardian house in Edwinstowe. Conveyancing lawyer represented me and Barnsley Building Society. I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold under the exact same address. I thought I was buying a freehold how can I check?
You need to assess the Freehold register you have again and check the Charges Register as there may be 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 Edwinstowe and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with the conveyancing solicitor who conducted the conveyancing.
I have been sourcing a conveyancing practitioner in Edwinstowe for my remortgage. Is there any facility to review a solicitor's record with the legal regulator?
You can see published Solicitor Regulator Association (SRA) determinations stemming from investigations from 2008 onwards. Go to Check a solicitor's record. For records Pre 2008, or to check a solicitors record, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, dial +44 (0)121 329 6800. The regulator sometimes monitor call for training requirements.