It is 10 years ago since I acquired my house in Polegate. Conveyancing solicitors have recently been retained on the sale but I can't find my deeds. Is this a problem?
Don’t worry too much. First the deeds may be with your lender or they could stored with the conveyancers who acted in the purchase. Secondly the likelihood is that the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Nearly all conveyancing in Polegate involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
There are plenty of conveyancing solicitors in Polegate but how do I know who I should use?
It would be unwise to be tempted by the cheapest Polegate conveyancing quote. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in ahead of time.
I am the single recipient of my late grandmother’s estate with all property in now in my sole name, including the house in Polegate. Conveyancing formalities meant that the Land Registry date was in February. I now wish to sell up. I do know about the CML 6 month 'rule', meaning my proprietorship may be regarded the same way as though I had purchased the house in February. Is the property unsalable for six months?
The CML handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be caught by that. How practical a view mortgage companies take of it, depend on the bank as this clause is principally there to pick up on the purchase and immediately sell or the wholesaling and assigning of property.
Completion of my purchase has taken place for my property in Polegate. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
It has been four months since my purchase conveyancing in Polegate completed. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I'm converting the mortgage on my primary house to a BTL mortgage with National Westminster Bank and I will use the ballance of the raised equity towards a second property. The neighborhood we are looking at is Polegate. Will your solicitors be able to act for the two banks and tie in the two deals?
Make use of our search tool on this site to check that the lawyers are approved by both banks. Having checked that they are the lawyer will be able to connect the two transactions but you should talk with you solicitor and make apparent your expectations and requirements.
Is it possible for you to suggest a lawyer for conveyancing in Polegate (or a few miles around that area)? This is for sale only.I did have one chosen but just found out that are not on the panel for Kent Reliance.
The purpose of this site is restricted to being a directory service for conveyancers who want to be listed as being on the approved conveyancing panel for Kent Reliance in certain locations such as Polegate . We dont recommend any specific property lawyer.