It is 10 years ago since I bought my property in Norwood. Conveyancing solicitors have recently been instructed on the sale but I can't track down my title deeds. Will this cause complications?
Don’t worry too much. Firstly the deeds may be with your mortgage company or they may be in the possession of the solicitor who acted in the purchase. Secondly in all probability 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 lawyers obtaining current official copies of the land registers. Almost all conveyancing in Norwood relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.
I am helping my step-mother sell her house in Norwood. Does the conveyancer order an EPC or it is for me to see to?
Following the abolition of Home Information Packs, EPC’s became a required component of moving house. An energy performance certificate must be to hand in advance of the property being advertised. It is not as aspect of the sale process that solicitors ordinarily organise. Where you are instructing a Norwood conveyancing practitioner they may help arrange energy assessments due to their relationships with reputable local assessors
Forgive me if this question is silly but I am unseasoned as FTB of a ground floor flat in Norwood. Do I receive the keys to the property on the completion date from my solicitor? If this is the case, I will appoint a local conveyancing solicitor in Norwood?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will arrange to send the purchase money to the seller's conveyancers, and once they have received this, you should be called to collect the keys from the property Agents and start moving into the property. This tends to happen early afternoon.
Are all Norwood Conveyancing Quality Solicitors on the Barclays conveyancing panel?
Some major lenders now make use of CQS as the kick off point for Panel approval such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their panels.
A friend advised me that if I am purchasing in Norwood I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is usually quoted for as part of the standard Norwood conveyancing searches. It is a large document of about 40 pages, listing and setting out significant information about Norwood 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 Property Price, Crime statistics, Norwood Education with plans and statistics, Local Amenities and other useful information concerning Norwood.
Me and my brother have a semi-detached Edwardian house in Norwood. Conveyancing practitioner acted for me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold under the matching property. I'd like to know for sure, how can I find out??
You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Norwood and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the situation with the conveyancing solicitor who conducted the purchase.
I decided to have a survey done on a house in Norwood ahead of instructing solicitors. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some lenders tend not grant a loan on this type of premises.
It varies from the lender to lender. Lloyds has different requirements for example to Nationwide. Should you wish to call us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Norwood. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Norwood to see if the conveyancing costs will increase in light of this.