It is a dozen years since I purchased my home in Herefordshire. Conveyancing lawyers have now been appointed on the sale but I can't track down my 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 conveyancers who oversaw your purchase. Secondly in most cases the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers procuring current official copies of the land registers. The vast majority of conveyancing in Herefordshire relates to registered property but in the rare situation where your home is unregistered it is more problematic but is not insurmountable.
My flat in Herefordshire is up for sale and I have a buyer. Does the property lawyer need to be on the Skipton conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Skipton conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently currently.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Herefordshire?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Herefordshire. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
In searching the web for the phrase cheap conveyancing in Herefordshire it reveals numerous solicitorsin the area. With so much choice what is the best way to find the suitable conveyancer for my move?
The preferential method of choosing the right conveyancer is through a trusted referral, so ask colleagues and those you trust who have purchased a property in Herefordshire or a respected estate agent or mortgage broker. Fees for conveyancing in Herefordshire vary, so it's a good idea to request a minimum of three estimates from different companies. Make sure that you clarify that the fees are fixed.
My husband and I have an offer in principle from Barnsley Building Society who have advised we could borrow up to £117k. When do we need to instruct a solicitor for conveyancing? Herefordshire is where we plan to move to.
It would be wise to appoint a property lawyer now so that the conveyancing practitioner can open the file so they can commence the ID checks etc. As and when you wish them to commence work they will seek a deposit normally approximately £200. That should normally be after you have the loan offer from the lender and survey report, however if you want to expedite matters you can start the ball rolling sooner albeit risking some expense.