It is is a decade since I purchased my house in Kempston. Conveyancing solicitors have now been appointed on the sale but I am unable to locate my title documents. Will this jeopardise the sale?
You need not be too concerned. Firstly there is a chance that the deeds will be with the lender or they could be archived with the conveyancers who handled the purchase. Secondly the chances are that the property will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers acquiring current official copies of the land registers. The vast majority of conveyancing in Kempston involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
Is there a search tool that I can use to find out if the solicitor handling my conveyancing in Kempston is on the bank’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Chelsea Building Society thus spending £192.00 in additional legal bill.
You should make use of the find a lender approved solicitor tool on this web page. Pick the lender and type ‘Kempston’ or your location and you will discover numerous conveyancers located in Kempston or near you.
Me and my brother purchased a 4 bedroom Victorian property in Kempston. Conveyancing practitioner acted for me and Coventry Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, another for leasehold with the matching property. Is it worth asking Coventry Building Society to clarify?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Kempston and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with your conveyancing solicitor who conducted the purchase.
I decided to have a survey carried out on a property in Kempston ahead of retaining conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some banks will not issue a mortgage on such a property.
It varies from the lender to lender. Lloyds has different requirements for example to Halifax. If you contact us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Kempston. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Kempston to see if the conveyancing costs will increase in light of this.
In surfing the web for the term conveyancing in Kempston it brings up many conveyancersin the area. With so much choice what is the best way to find the right property lawyer for my move?
The preferential method of finding a suitable conveyancer is via personal recommendation, so enquire of colleagues and relatives who have acquired a property in Kempston or a reputable estate agent or financial adviser. Costs for conveyancing in Kempston differ, so it's sensible to obtain a minimum of four fee calculations from varying types of companies. Be sure to obtain confirmation that the fees are fixed.