It is a dozen years since I acquired my property in Pattingham. Conveyancing solicitors have now been appointed on the sale but I can't locate the deeds. Will this jeopardise the sale?
Don’t worry too much. First there is a possibility that the deeds will be retained by your mortgage company or they could be in the possession of the lawyers who handled your purchase. Secondly the likelihood is that the property will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Almost all conveyancing in Pattingham involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
We just had an offer accepted to buy with Darlington Building Society. We have called around locally yet am struggling to find a Pattingham conveyancing firm on the Darlington Building Society panel. Please you assist?
Feel free to make use of the find a lender approved solicitor tool on this page. Please choose the building society and type Pattingham or your preferred area and you will see a number of lawyer offices in Pattingham or nearest you.
A friend recommended that if I am buying in Pattingham I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is usually quoted for as part of the standard Pattingham conveyancing searches. It is not a small document of about 40 pages, listing and setting out significant information about Pattingham around the property and the people living there. It incorporates 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 details, Pattingham Education with plans and statistics, Local Amenities and other useful information about Pattingham.
Due to the advice of my in-laws I had a survey completed on a property in Pattingham before instructing lawyers. I have been informed that there is a flying freehold overhang to the house. My surveyor has said that some banks tend refuse to grant a mortgage on such a premises.
It depends who your proposed lender is. HSBC has different instructions from Nationwide. Should you wish to telephone us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Pattingham. Conveyancing will be smoother if you use a solicitor in Pattingham especially if they are familiar with such properties in Pattingham.
I'm converting the mortgage on my primary home to a BTL loan with Bank of Scotland and I will use the rest of the raised equity as a down payment on another house. The neighborhood we are talking about is Pattingham. Will your solicitors be able to act for the two lenders and link together the transactions?
Make use of our comparison tool on this page to be sure that the solicitors are on the relevant lender panels. Assuming that they are the conveyancer should be able to connect the two conveyancing matters but you should talk with you conveyancer and make apparent your desired outcome and requirements.