It is 10 years ago since I purchased my house in Frome. Conveyancing solicitors have recently been retained on the sale but I am unable to find the title deeds. Will this cause complications?
You need not be too concerned. First the deeds may be kept by your lender or they may be in the possession of the lawyers who handled your purchase. Secondly in most cases 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 obtaining up to date copy of the land registers. Most conveyancing in Frome involves registered property but in the rare situation where your home is not registered it adds to the complexity but is not insurmountable.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Frome. My lender is Nationwide Building Society
Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 9/2/2019, the requirements read as follows :
I am helping my step-mother sell her property in Frome. Does the solicitor arrange an energy performance certificate or it is for the owner to see to?
Following the demise of Home Packs, EPC’s was retained a mandatory component of moving property. An energy assessment needs to be commissioned before the property is marketed. This is not as aspect of the sale process that conveyancers normally organise. If you are using a Frome conveyancing solicitor they might be able to arrange energy assessments due to their contacts with reputable local energy assessors
I just acquired a flat at auction in Frome. Conveyancing is necessary. What are my next steps?
Having for all intents and purposes signed on the dotted line you must retain a conveyancing practitioner soon as you are facing a fast approaching deadline in which to complete the conveyancing. All auction property will ordinarily have an associated auction set of papers. This will likely include most,if not all of the paperwork that your conveyancer will need. If you have purchased leasehold property the conveyancing pack should include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation relating to leasehold premises. You must pass this on to the lawyer working for you at the earliest opportunity. Do make sure that your finances are organised to complete the transaction on the set completion date.
We were going to get a DIP from Clydesdale this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Clydesdale recommend any Frome solicitors on the Clydesdale conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Frome solicitors independently although you'll need to choose one on the Clydesdale conveyancing panel. The solicitor represents both you and Clydesdale through the process.
I moved into my apartment on 8 September and my personal details is not yet on the land registry website. Any reason for this? My conveyancing solicitor in Frome said it would be concluded in a couple of weeks. Are transfers in Frome uniquely lengthy to register?
There is nothing unique when it comes to conveyancing in Frome registration formalities. As opposed to being determined by geographic area, timescales can vary subject to the party submitting the application, whether there are errors and if the Land registry need to notify any other parties. Currently approximately three quarters of such applications are fully addressed within 12 days but some can be subject to protracted delays. Registration occurs after the purchaser is living at the property thus post completion formalities is not always primary concern but where there is a degree of urgency associated with the registration then you or your lawyers must contact the land registry and explain the circumstances.
I opted to have a survey done on a property in Frome before retaining lawyers. I have been told that there is a flying freehold element to the property. My surveyor has said that some mortgage companies may not give a loan on this type of home.
It depends who your proposed lender is. Santander has different requirements from Birmingham Midshires. If you call us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Frome. Conveyancing will be smoother if you use a solicitor in Frome especially if they are acquainted with such properties in Frome.