It is a dozen years since I acquired my home in Westbury Park. Conveyancing solicitors have just been appointed on the sale but I can't track down my title documents. Is this a problem?
Don’t worry too much. Firstly the deeds may be kept by your lender or they could be in the possession of the solicitor who handled the purchase. Secondly the likelihood is that the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers acquiring up to date copy of the land registers. Nearly all conveyancing in Westbury Park relates to registered property but in the unlikely event that your home is not registered it is more problematic but is not insurmountable.
Should my solicitor be making enquiries concerning flooding during the conveyancing in Westbury Park.
The risk of flooding is if increasing concern for conveyancers carrying out conveyancing in Westbury Park. There are those who buy a property in Westbury Park, completely aware that at some time, it may be flooded. However, leaving to one side the physical destruction, if a property is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or sell the property. There are steps that can be taken during the course of a property purchase to forewarn the purchaser.
Lawyers are not best placed to give advice on flood risk, but there are a number of checks that can be carried out by the buyer or by their lawyers which will figure out the risks in Westbury Park. The standard property information forms supplied to a buyer’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a usual inquiry of the vendor to determine whether the property has historically flooded. In the event that flooding has previously occurred and is not notified by the vendor, then a buyer may commence a compensation claim as a result of such an incorrect response. A purchaser’s conveyancers may also order an environmental search. This will disclose if there is any known flood risk. If so, additional inquiries should be made.
I used Action Conveyancing a few years ago for my conveyancing in Westbury Park. I now require my file but the law firm has closed. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Westbury Park of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the encouragement of my in-laws I had a survey completed on a house in Westbury Park before appointing conveyancers. I have been informed that there is a flying freehold overhang to the property. The surveyor advised that some banks may refuse to issue a loan on this type of premises.
It depends who your proposed lender is. Santander has different requirements for example to Nationwide. If you call us we can investigate further via the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Westbury Park. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to retain a conveyancing solicitor for some conveyancing in Westbury Park. I've discover a web site which seems to have the perfect answer If it is possible to get all formalities done via phone that would be preferable. Do I need to be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?