It is is a decade since I acquired my house in Torrington. Conveyancing solicitors have recently been instructed on the sale but I am unable to track down my deeds. Will this cause complications?
You need not be too concerned. Firstly the deeds may be kept by your lender or they may be in the possession of the solicitor who acted in the purchase. Secondly in all probability 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 acquiring current official copies of the land registers. Most conveyancing in Torrington relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
I am purchasing a 3 bedroom semi in Torrington. The intention is to carry out a loft conversion at the house.Will legal conveyancing on the property involve checks to ascertain if these works are allowed?
Your property lawyer will check the deeds as conveyancing in Torrington will sometimes reveal restrictions in the title documents which prohibit categories of changes or require the permission of another owner. Certain additions call for local authority planning consent and approval in compliance with building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these things with a surveyor before you commit yourself to a purchase.
The formalities of my remortgage has taken place for my property in Torrington. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Intending to buy a maisonette in Torrington. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Virgin Money 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 Torrington solicitor is on the Virgin Money conveyancing panel.
I moved into my flat on 1 March and the transaction details are still not on the land registry website. Need I be worried? My conveyancing solicitor in Torrington said it would be concluded in less than a month. Are titles in Torrington particularly slow to register?
There is nothing unique about conveyancing in Torrington registration formalities. Rather than based on location, timescales can differ according to the party submitting the application, whether it is in order and if the Land registry communicate with any third persons or bodies. As of today approximately three quarters of such applications are completed within two weeks but occasionally there can be longer hold-ups. Historically registration takes place once the buyer has moved in to the premises so 'speed' is not usually top priority yet where it is urgent that the the registration takes place urgently then you or your conveyancer could contact the land registry and explain the circumstances.
Is it simple use the search tool to find a conveyancing lawyer in Torrington on the authorised to act for my bank?
1st pick a lender such as Lloyds TSB Bank, Norwich and Peterborough Building Society or Nottingham Building Society then specify your preferred area such as Torrington. Conveyancing firms in Torrington and across England and Wales should be shown.
Am I best advised to instruct a Torrington conveyancing practitioner in close proximity to the house I am hoping to buy? I have an old university friend who can carry out the conveyancing but her office is a couple of hundredkilometers away.
The primary upside of using a local Torrington conveyancing firm is that you can attend the office to sign paperwork, present your ID and pester them where appropriate. They will also have local knowledge which is a benefit. However it's more important to get someone that will do a good and efficient job. If you know people who instructed your friend and the majority were happy that should trump using an unknown Torrington conveyancing solicitor just because they are Torrington based.