It is 10 years ago since I purchased my home in Mossley. Conveyancing lawyers have now been appointed on the sale but I am unable to locate my title deeds. Is this a major issue?

You need not be too concerned. Firstly there is a possibility that the deeds will be kept by your lender or they could stored with the lawyers who acted in the purchase. Secondly in most cases the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Nearly all conveyancing in Mossley involves registered property but in the rare situation where your property is unregistered it adds to the complexity but is resolvable.

I am in the process of refinancing my apartment in Mossley, does my lawyer need to be on the UBS Solicitor panel?

There is nothing to stop you using your solicitor, but UBS will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.

About to purchase a new build flat in Mossley. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Set out below is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Mossley

The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Please confirm the Lease plans are surveyor prepared.

I have been recommended by a few selling agents in Mossley to select a conveyancer using your seach tool. Is there a financial incentive for Estate Agents to promote your lawyers rather than another?

We don’t give any financial incentive for sending work to this site. We thought it would be too underhand a fee as home movers will think, ‘Why is the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.

Are you able to explain what my options are where my Mossley conveyancing searches reveals detrimental entries?

On the whole, most adverse entries revealed in Mossley conveyancing search results can be handled ahead of completion or indemnity insurance can be put in place. It is crucial to note that regardless of the fact that you are purchasing the premises and may be willing to accept the search results, your mortgage lender may not, and ultimately they have the final say.