It is is a decade since I bought my house in Lymm. Conveyancing lawyers have recently been appointed on the sale but I am unable to track down the title documents. Is this a major issue?
Don’t worry too much. First the deeds may be with the lender or they may be in the possession of the conveyancers who acted in your purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors acquiring up to date copy of the land registers. Most conveyancing in Lymm relates to registered property but in the unlikely event that your home is unregistered it is more problematic but is not insurmountable.
We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Is the implication that I have to use their panel conveyancer as I would much rather use a Lymm based conveyancing firm?
You should check but the chances are that appoint one of their panel lawyers should you accept the "fee-free" deal. Contact the mortgage company to determine if they allow a monetary alternative. In the past a few lenders offered a £250 cashback as an alternative in which case that money can go towards your preferred conveyancing solicitor in Lymm.
We are purchasing a end of terrace house in Lymm. The intention is to convert the garage to an office at the house.Will the conveyancing process include enquiries to ascertain if these works were previously refused?
Your conveyancer will review the deeds as conveyancing in Lymm will sometimes reveal restrictions in the title documents which prohibit certain alterations or require the consent of a 3rd party. Some extensions need local authority planning consent and approval under the building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be prudent to check these things with a surveyor prior to committing yourself to a purchase.
I had a mortgage agreed in principle with Virgin Money. Lymm conveyancing solicitors have been appointed. What is the average time that one could expect to receive a mortgage offer from Virgin Money?
There is no definitive answer here. Have Virgin Money conducted the valuation? Have you informed Virgin Money as to your lawyers' details and checked that your lawyers are on the Virgin Money conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
About to purchase flat in Lymm. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Barclays conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Lymm lawyer is on the Barclays conveyancing panel.
I know that there are debates on Chancel Insurance on online forums. Am I compelled to take this when buying a house in Lymm? or Apparently there is a law dating back centuries that means some homeowners living in a parish church boundary may be liable to pay for maintenance to the chancel in proximity to the church. Is this applicable for conveyancing in Lymm?
Unless a prior acquisition of the house took place after 12 October 2013 you can take it that lawyers delivering conveyancing in Lymm to continue to recommend a chancel search and or chancel repair liability policy.
My cousin has recommend that I use his conveyancers in Lymm. Should I use them?
No doubt the best way to find a conveyancing lawyer is to have recommendations from friends or relatives who have used the solicitor you're are thinking of instructing.