It is is a decade since I acquired my property in Heathrow. Conveyancing solicitors have now been instructed on the sale but I can't locate my title deeds. Will this jeopardise the sale?
You need not be too concerned. Firstly the deeds may be retained by the mortgage company or they may be in the possession of the conveyancers who oversaw your purchase. Secondly the likelihood is that the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring current official copies of the land registers. Almost all conveyancing in Heathrow relates to registered property but in the unlikely event that your home is unregistered it is more of a problem but is not insurmountable.
I am helping my niece sell her house in Heathrow. Will the solicitor arrange the EPC or should I organise this?
Following the demise of Home Packs, energy assessments remained a compulsory component of moving house. An EPC should be to hand in advance of the property being marketed. It is not something that conveyancers normally arrange. Where you are using a Heathrow conveyancing lawyer they may be able to arrange energy assessments given their relationships with reputable Heathrow providers
I'm the single recipient of my late father’s will and I have everything in my name now, including the house in Heathrow. Conveyancing formalities meant that the Land Registry date was in June. I plan to dispose of the house. I do know about the CML 6 month 'rule', which means that my proprietorship could be treated the same way as though I had purchased the property in June. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. How practical a view banks take of it, depend on the lender as this obligation primarily exists to identify subsales or the flipping of properties.
The formalities of my remortgage has taken place for my property in Heathrow. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I have justdiscovered that Arc property Solicitors have been shut down. They conducted my conveyancing in Heathrow for a purchase of a leasehold flat 12 months ago. How can I check that my home is in my name in the name of the previous owner?
The easiest way to see if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Heathrow conveyancing specialists.
Due to the encouragement of my in-laws I had a survey completed on a property in Heathrow in advance of retaining conveyancers. I have been informed that there is a flying freehold overhang to the house. My surveyor has said that some lenders will refuse to issue a mortgage on such a property.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Halifax. If you e-mail us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Heathrow. Conveyancing will be smoother if you use a solicitor in Heathrow especially if they are accustomed to such properties in Heathrow.
We are a fortnight into a residential purchase having been recommend to conveyancers by the selling agent to perform conveyancing in Heathrow. I am not happy. Could you you assist me in finding new lawyers?
They would have to be very bad in order to consider replacing them. Has your mortgage been sent? If so you will need to inform them of the new contact details and get the loan are re-issued. Your conveyancer needs to be on the mortgage company approved list to avoid supplemental charges and frustration. So that should be your first question of the new solicitors. The search tool should help you find a lender approved lawyer for your home move in Heathrow