It is 10 years ago since I bought my home in Plaistow. Conveyancing solicitors have just been appointed on the sale but I can't track down my deeds. Is this a problem?
You need not be too concerned. Firstly the deeds may be with the lender or they may still be with the solicitor who oversaw the purchase. Secondly in most cases the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers procuring up to date copy of the land registers. Nearly all conveyancing in Plaistow involves registered property but in the unlikely event that your home is not registered it is more of a problem but is resolvable.
I am thinking of refinancing my house in Plaistow, does my lawyer need to be on the Nationwide Solicitor panel?
In theory, you could use a solicitor that is not on the Nationwide conveyancing panel, but Nationwide would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
My wife and I buying a victorian detached house in Plaistow. The intention is to an extension at the rear at the property.Will legal work on the property involve investigations to determine if these works are prohibited?
Your conveyancer will review the registered title as conveyancing in Plaistow will sometimes reveal restrictions in the title documents which prevent categories of alterations or require the consent of a 3rd party. Many extensions need local authority planning consent and approval under the building regulations. Some areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
I can not work out if my bank requires a lease extension. I have telephoned my Plaistow building society branch on numerous occasions and was told it wasn't a problem and they will lend. My Plaistow conveyancing solicitor - who is on the bank conveyancing panel- telephoned and was told they refuse to lend based on their published requirements. I have no idea who is right.
Your conveyancing practitioner has to comply with the Council of Mortgage Lenders’ Handbook section two specifications for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.
About to purchase apartment in Plaistow. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the TSB conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Plaistow conveyancing practitioner is on the TSB conveyancing panel.
Am I better off to use a Plaistow conveyancing solicitor who is local to the property I am purchasing? We have a good friend who can deal with the conveyancing however they are based 400miles away.
The benefit of a local Plaistow conveyancing firm is that you can visit the firm to execute paperwork, present your identification documents and apply pressure on them where appropriate. They will also have local intelligence which is a plus. However nothing is more important than finding someone that will pull out all the stops for you. If other friends have instructed your friend and in the main were impressed that must trump using an unfamiliar Plaistow conveyancing solicitor solely due to them being local.
I purchased a flat in Plaistow last 21/3/2018 and to date it is still not recorded with the Land Registry. It is part of a development site and my conveyancer told me that it may take 12 months to register. I have contacted the Land Registry directly and they have informed me the original application was cancelled due to failure to reply to requisitions. Should I be concerned?
It is your solicitor that you should contact in order to satisfy any issues which have arisen as part of the registration process for your Plaistow property. Normal Plaistow conveyancing practice includes an undertaking on the part of the seller's conveyancer that they will assist in resolving any registration raised by HMLR so it may be a case of seeking to enforce that undertaking in some way.