It is is a decade since I acquired my property in Twickenham Park. Conveyancing lawyers have just been retained on the sale but I am unable to find my title deeds. Will this cause complications?
You need not be too concerned. First there is a chance that the deeds will be with your lender or they could still be with the solicitor who oversaw the purchase. Secondly the chances are that the property will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers procuring up to date copy of the land registers. Almost all conveyancing in Twickenham Park involves registered property but in the unlikely event that your home is not registered it is more tricky but is resolvable.
The Twickenham Park conveyancing firm that I recently instructed on my house acquisition in Twickenham Park have without warning shut down. I only went with them because I had to have a solicitor on the Kent Reliance conveyancing panel and my family Twickenham Park lawyer was not. I cut them a cheque for two hundred pounds in advance. What are my options?
If you have an estate agent involved then let them know immediately so that they can let the sellers know that there may be a slight delay due to the problems encountered. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Kent Reliance conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors should be in a position to assist.
Can you point me to a directory of Virgin Money panel solicitors in Twickenham Park on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such facility on the CML or Building Society Association websites. A small selection of lending institutions make their panel listings open the public online. If you are looking for a Twickenham Park conveyancer on the Virgin Money please make the most of our tool.
We had appointed conveyancers locally in Twickenham Park on the Kent Reliance solicitor panel. They are now charging me an additional charge for the legal aspects of the Kent Reliance mortgage. Is this an additional conveyancing fee set by Kent Reliance?
Provided it is contained in their Terms of Engagement or estimate then yes your solicitor may charge a fee for this. The fee is not dictated by Kent Reliance but by your Twickenham Park solicitor. Some firms on the Kent Reliance panel will charge an ‘acting for lender’ fee and others do not.
Nationwide have agreed my mortgage in principle, my bid on a house in Twickenham Park has been agreed to, what are the next steps?
The property agent will wish to be informed of your conveyancing practitioner's details (make sure the conveyancing practitioners are on the lender’s panel). Call up Nationwide or the financial adviser and finalise any outstanding paperwork. Nationwide will appoint a valuer who will get in contact with the estate agent or owners to arrange an appointment. Once conducted (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Nationwide will issue the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Twickenham Park.
I have justfound out that Stirling Law have been shut down. They carried out my conveyancing in Twickenham Park for a purchase of a freehold house 18 months ago. How can I establish that my home is in my name in the name of the former proprietor?
The quickest method to check if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Twickenham Park conveyancing specialists.
In searching the web for the words on line conveyancing in Twickenham Park it reveals many solicitorsin the vicinity. How do I determine which is the suitable conveyancing solicitor for my move?
The preferential method of choosing a suitable conveyancer is via trusted recommendation, so ask colleagues and relatives who have acquired a property in Twickenham Park or the reputable estate agent or mortgage broker. Charges for conveyancing in Twickenham Park vary, so it's a good idea to request a minimum of four fee calculations from varying types of law firms. Be sure to obtain confirmation that the fees are fixed.