It is is a decade since I bought my home in Monmouthshire. Conveyancing solicitors have now been appointed on the sale but I am unable to locate my title deeds. Will this cause complications?
Don’t worry too much. First there is a possibility that the deeds will be kept by the mortgage company or they may be archived with the solicitor who handled the purchase. Secondly in all probability 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 up to date copy of the land registers. The vast majority of conveyancing in Monmouthshire relates to registered property but in the rare situation where your property is not registered it is more of a problem but is not insurmountable.
I am being told by my conveyancer that lack of building regulations insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Monmouthshire?
The right level of lack of building regulations indemnity insurance depends on your lender. It would differ for example between Barclays and Chelsea Building Society. Conveyancing lawyers as opposed to borrowers take out such insurances.
We are getting the release of further monies on our mortgage from Coventry BS as we intend to conduct alterations to our property in Monmouthshire. Are we obliged to appoint a bricks and mortar Monmouthshire solicitor on the Coventry BS conveyancing panel to deal with the paperwork?
Coventry BS do not ordinarily appoint a member of their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Coventry BS panel.
I have today made my last payment due on my mortgage with Yorkshire BS. I assume I don't need a Monmouthshire conveyancer on the Yorkshire BS panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Yorkshire BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Yorkshire BS mortgage from the register. Yorkshire BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Yorkshire BS has sent the Land Registry the discharge electronically, and
- Yorkshire BS has instructed the Land Registry to do so
A colleague suggested that if I am purchasing in Monmouthshire I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is occasionally quoted for as part of the standard Monmouthshire conveyancing searches. It is a large report of more than thirty pages, listing and setting out significant information about Monmouthshire around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Monmouthshire Education with plans and statistics, Local Amenities and other useful data concerning Monmouthshire.
Is it possible to transfer to a new solicitor as I have to instruct a firm on the Halifax conveyancing panel. I was using a high street conveyancing solicitor in Monmouthshire five minutes from me but the firm is not accepted by Halifax
It would be our pleasure to help you select a conveyancing solicitor in Monmouthshire on the Halifax panel. Please note that the property lawyers that we work with do not pay us a referral fee if you instruct them and are under regulation of the SRA who regulate all conveyancing solicitors in Monmouthshire. In making use of the find a conveyancing solicitor tool on this page, you can compare and instruct different solicitors and conveyancers both nationally and in Monmouthshire.
A licensed conveyancer acted on my conveyancing in Monmouthshire half a dozen years ago and was holding my registration certificates but has since been shut down – What can I do to get hold of these?
Deeds, as such, are no longer appropriate for most properties in Monmouthshire are recorded digitally at Land Registry. If you need to show ownership or are selling or refinancing your lawyer should obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.