It is 10 years ago since I acquired my house in Mortimer. Conveyancing lawyers have just been instructed on the sale but I am unable to track down my deeds. Will this jeopardise the sale?
Don’t worry too much. Firstly there is a chance that the deeds will be retained by your mortgage company or they may be in the possession of the solicitor who acted in the 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 current official copies of the land registers. Nearly all conveyancing in Mortimer involves registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
A friend pointed out to me me that in purchasing a property in Mortimer there may be a number of restrictions affecting the ability to carry out external alterations to a property. Is this right?
There are anumerous of properties in Mortimer which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Mortimer should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
My husband and I have organised the release of further monies on our home loan from Co-operative as we intend to conduct improvements to our property in Mortimer. Do we need to appoint a high street Mortimer solicitor on the Co-operative conveyancing panel to deal with the paperwork?
Co-operative do not ordinarily require firms on their conveyancing panel 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 Co-operative conveyancing panel.
The mortgage over my property is with RBS for my property in Mortimer. Conveyancing was finalised months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform RBS?
Your original mortgage agreement with RBS will provide that you need their approval prior to renting your property as this is likely to be a breach of RBS’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact RBS directly. It should not be necessary to do this via a RBS conveyancing panel lawyer.
We are close to exchanging contracts on the sale of our house in Mortimer and the buyers lawyers are claiming that there is a possibility that the property was built land that was not decontaminated. A high street Mortimer conveyancer would know this is not the case. For the life of me I don't know why the purchasers are using a factory type conveyancing outfit rather than a conveyancing solicitor in Mortimer. We have lived in Mortimer for 5 years we know that this is a non issue. Is it a good idea to contact our local Authority to obtain confirmation that there is no issue.
It would appear that you have a conveyancing firm currently acting for you. Are they able to advise? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
I used Arc property Solicitors several years past for my conveyancing in Mortimer. I now require my file however cannot find the solicitor. What do I do?
You should 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 Mortimer of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Mortimer differ for newly converted properties?
Most buyers of new build premises in Mortimer approach us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is ready to move into. This is because new home sellers in Mortimer usually 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 conveyancing solicitors 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 Mortimer or who has acted in the same development.