It is is a decade since I bought my home in Kingsley. Conveyancing solicitors have now been appointed on the sale but I can't locate the title documents. Will this cause complications?
You need not be too concerned. Firstly the deeds may be kept by your mortgage company or they may be archived with the conveyancers who acted in your purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors procuring current official copies of the land registers. Nearly all conveyancing in Kingsley relates to registered property but in the rare situation where your home is unregistered it adds to the complexity but is resolvable.
We had chosen conveyancers locally in Kingsley on the Skipton solicitor approved list. They are now charging me a further fee for dealing with the Skipton mortgage. Is this a supplemental conveyancing fee set by Skipton?
Provided it is contained in their Terms of Engagement or Quote then yes your solicitor can charge a fee for this. This charge is not dictated by Skipton but by your Kingsley conveyancer. Some firms on the Skipton panel will quote ’dealing with mortgage’ fee and others do not.
We are getting the release of further monies on our mortgage from Kent Reliance as we wish to conduct alterations to our house in Kingsley. Do we need to select a high street Kingsley solicitor on the Kent Reliance conveyancing panel to handle the paperwork?
Kent Reliance do not ordinarily instruct a member of their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Kent Reliance panel.
We have a mortgage agreed in principle with Aldermore. Kingsley conveyancing practitioners are instructed. How long does it take for Aldermore to issue the offer to the conveyancing practitioner?
There is no definitive answer here. Have Aldermore done the survey? Have you advised Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
How does conveyancing in Kingsley differ for new build properties?
Most buyers of new build residence in Kingsley approach us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is finished. This is because house builders in Kingsley tend to buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Kingsley or who has acted in the same development.
I decided to have a survey completed on a house in Kingsley prior to instructing lawyers. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some banks may refuse to issue a loan on such a premises.
It depends who your proposed lender is. HSBC has different requirements from Birmingham Midshires. Should you wish to call us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Kingsley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Kingsley to see if the conveyancing costs will increase in light of this.
I need to retain a conveyancing solicitor for some conveyancing in Kingsley. I happened to land on a site which looks to be the perfect answer If there is a chance to get all the legals completed via email that would be preferable. Should I be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?