I was notified recently by my mortgage broker that my Rawdon property lawyer is not on the bank Solicitor panel. How can I check?
You need to contact your Rawdon conveyancer. You lawyer should advise you of the situation. Where they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your lender.
It is 10 years ago since I bought my property in Rawdon. Conveyancing lawyers have recently been retained on the sale but I am unable to find my deeds. Is this a major issue?
Don’t worry too much. Firstly there is a possibility that the deeds will be kept by the mortgage company or they may be in the possession of the solicitor who handled your purchase. Secondly in all probability the property will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors acquiring current official copies of the land registers. The vast majority of conveyancing in Rawdon involves registered property but in the unlikely event that your home is not registered it is more problematic but is resolvable.
My husband and I decided to purchase a newbuild flat in Rawdon with a mortgage from Britannia.We would like to retain our Rawdon conveyancing solicitor but Britannia advised that he's not listed on their approved list of member firms. we are left little option but to use a Britannia panel solicitor or keep our local solicitor and fork out for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Britannia use our lawyer?
Unfortunately,no. The loan issued to you contains various provisions, one of which will be that conveyancers must be on the Britannia approved list. Until recently, most lenders had large numbers of law firms on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Britannia
The deeds to our home can not be found. The lawyers who conducted the conveyancing in Rawdon 10 years ago have long since closed. What are my next steps?
As long as the title is registered the information relating to your ownership will be held by the Land Registry with a Title Number. It is possible to carry out a search at the Land Registry, identify your property and get current copies of the property title for a small fee. Where the title is Leasehold then the Land Registry will usually hold a file duplicate of the Registered Lease and again, a copy can be retrieved for twenty pounds.
About to purchase a new build flat in Rawdon. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here are examples of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Rawdon
Please confirm the Lease plans are architect prepared. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please supply a car parking plan. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.