It is a dozen years since I bought my property in Grove. Conveyancing lawyers have now been retained on the sale but I can't locate my title documents. Is this a problem?
Don’t worry too much. Firstly the deeds may be with your mortgage company or they could stored with the conveyancers who handled the purchase. Secondly the chances are that 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. Most conveyancing in Grove involves registered property but in the unlikely event that your property is not registered it is more of a problem but is resolvable.
Do the Building Society Association intend to launch a online directory to to identify solicitors on the Coventry BS conveyancing panel for example in Grove?
Lexsure has not been advised of any intention on the part of the BSA to develop such a tool.
How does conveyancing in Grove differ for newly converted properties?
Most buyers of new build or newly converted property in Grove approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the property is constructed. This is because house builders in Grove tend to purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Grove or who has acted in the same development.
I decided to have a survey carried out on a house in Grove before appointing conveyancers. I have been told that there is a flying freehold aspect to the property. The surveyor advised that some lenders will refuse to grant a mortgage on such a premises.
It varies from the lender to lender. Lloyds has different requirements from Birmingham Midshires. Should you wish to call us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Grove. Conveyancing may be slightly more expensive based on your lender's requirements.
The financial adviser has suggested using their lawyer for my conveyancing in Grove - Is it not simpler easier to just use them?
You need to establish if the estate agent is recommending a property lawyer or introducing to a property lawyer. There are plenty of Grove estate agents who recommend two or three Grove conveyancing firms purely based on those lawyers offering a great service.