It is is a decade since I acquired my home in Hetton Le Hole. Conveyancing solicitors have now been instructed on the sale but I am unable to track down the title deeds. Is this a major issue?
Don’t worry too much. First there is a chance that the deeds will be kept by your lender or they could be in the possession of the solicitor who handled the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Nearly all conveyancing in Hetton Le Hole involves registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
I have Fifty Six years left on my lease and need a lease extension for my flat in Hetton Le Hole. Conveyancing solicitors on the Bank of Ireland panel can deal with such extensions right?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 18/1/2025 the requirements read as follows :
I used Wolstenholmes a few years past for my conveyancing in Hetton Le Hole. I now require my file but cannot find the solicitor. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Hetton Le Hole of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm purchasing a new build house in Hetton Le Hole with a mortgage from Norwich and Peterborough Building Society. The developers would not reduce the amount so I negotiated £7000 of extras instead. The house builders rep suggested that I not inform my lawyer about this side-deal as it could put at risk my mortgage with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
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