I plan on purchasing a flat in Tamworth. My Conveyancer has never been on on the lender approved list. Am I still permitted to continue with my Tamworth conveyancing solicitor notwithstanding that they are excluded from the mortgage company list of approved lawyers?
Your options include
- Complete the purchase with your preferred Tamworth conveyancer but your lender will need to use a solicitor from their approved list. The net result is additional fees and likely frustration.
- Choose a fresh conveyancer to conduct the conveyancing, obviously checking they are on the bank conveyancing panel.
- Convince your lawyer to pull out all the stops to join the mortgage company conveyancing panel
Me and my brother own a 4 bedroom Georgian house in Tamworth. Conveyancing solicitor represented me and Accord Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold with the exact same address. I'd like to know for sure, how can I find out??
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Tamworth and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the position with your conveyancing lawyer who completed the work.
I opted to have a survey carried out on a house in Tamworth prior to retaining solicitors. I have been informed that there is a flying freehold aspect to the house. The surveyor has said that some lenders will not give a loan on this type of house.
It depends who your proposed lender is. Lloyds has different requirements for example to Halifax. Should you wish to call us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Tamworth. Conveyancing may be slightly more expensive based on your lender's requirements.
What does commercial conveyancing in Tamworth cover?
Tamworth conveyancing for business premises incorporates a wide range of guidance, supplied by qualified solicitors, relating to business property. For example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of tenancies.
A licensed conveyancer acted on my conveyancing in Tamworth half a dozen years past and was holding my title documents but has since been shut down – how do I retreive these?
Title deeds, as such, are no longer appropriate for most properties in Tamworth are archived electronically at Land Registry. If you need to prove ownership or are disposing of or refinancing your conveyancing practitioner should obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.