It is a dozen years since I bought my property in Ilkley. Conveyancing lawyers have now been appointed on the sale but I can't locate my title deeds. Will this cause complications?
Don’t worry too much. Firstly there is a chance that the deeds will be with the mortgage company or they could stored with the conveyancers who handled the purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors procuring current official copies of the land registers. Most conveyancing in Ilkley involves registered property but in the unlikely event that your property is not registered it adds to the complexity but is resolvable.
My brother-in-law has suggested I instruct a conveyancing solicitor in Ilkley. I I am struggling to find out if they are on the Alliance & Leicester conveyancing panel. Could you or the lender confirm if they are on the panel?
You should phone the conveyancer and ask them whether they are on the lender panel. Otherwise you should call Alliance & Leicester who may be able to help.
Is it the case that all Ilkley solicitors on the Nottingham conveyancing panel are governed by the SRA?
As solicitors, in order to be on the Nottingham conveyancing panel they would need to be overseen by the Solicitors Regulatory Authority. Many lenders do permit licenced conveyancers on their panel in which case such organisation would be regulated by the CLC.
We expect to receive a OIP from Kent Reliance this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Kent Reliance recommend any Ilkley solicitors on the Kent Reliance conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Ilkley solicitors independently although you'll need to choose one on the Kent Reliance conveyancing panel. The solicitor represents both you and Kent Reliance through the process.
I have decided to exercise my right to buy my property in Ilkley off the council. I have a mortgage offer with TSB. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with TSB, you will need to appoint a solicitor on the TSB conveyancing panel.
I used Action Conveyancing a few years past for my conveyancing in Ilkley. I now require my file but the law firm has closed. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracing 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 Ilkley of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am looking for a ground for flat up to £305k and found one round the corner in Ilkley I like with a park and station in the vicinity, however it's only got 51 years unexpired on the lease. There is not much else in Ilkley suitable, so just wondered if I would be making a grave error purchasing a lease with such few years left?
Should you require a home loan the remaining unexpired lease term may be problematic. Discount the offer by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the property for at least 2 years you can ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.