It is is a decade since I purchased my property in Oxfordshire. Conveyancing lawyers have recently been instructed on the sale but I can't locate my title documents. Will this cause complications?
You need not be too concerned. Firstly there is a chance that the deeds will be with the lender or they could still be with the conveyancers who acted in the purchase. Secondly the chances are that the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring current official copies of the land registers. Most conveyancing in Oxfordshire involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
Is it correct that all Oxfordshire CQS (Conveyancing Quality Scheme) solicitors are on the Aldermore conveyancing panel?
It is true that some lenders now utilise the accreditation scheme as the kick off point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership 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 remain on their approved list of firms.
When it comes to lenders such as Lloyds, do Oxfordshire property lawyers incur a fee to be on the conveyancing panel?
We are not aware of any bank fees to be on their panel, although some do charge an administration fee to deal with the processing of the conveyancing panel submission.
We were going to get a DIP from Kent Reliance this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Kent Reliance recommend any Oxfordshire solicitors on the Kent Reliance conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Oxfordshire solicitors independently although you'll need to choose one on the Kent Reliance conveyancing panel. The solicitor represents both you and Kent Reliance through the process.
The deeds to our house can not be found. The lawyers who did the conveyancing in Oxfordshire 4 years ago are no longer around. What are my next steps?
You no longer need to hold title official documentation to establish that you own the land or property, as the Land Registry hold details of all registered land or property electronically.
I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a straight forward, no chain conveyancing. Oxfordshire is where the house is located. Can you offer any opinion?
Flying freeholds in Oxfordshire are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Oxfordshire you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Oxfordshire may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
My wife and I are FTB’s just having agreed a price on a property in Oxfordshire, and need to get solicitors appointed. I have made use of the various comparison based websites and the fee estimates are from all across the country. Is it critical to have a Oxfordshire conveyancing practitioner local to the prospective new home? We are happy to do everything electronically, but I assume at some point we will need to attend the lawyer's office to sign contracts?
The property lawyer does not have to be in Oxfordshire, but opting for local means that you have the option to attend their offices if required, for instance, if a signature is needed urgently. In addition, a Oxfordshire solicitor have established relationships with local agents and (if the vendor has chosen a local lawyer) with them, which should help smooth the process.