It is is a decade since I acquired my home in Whitnash. Conveyancing lawyers have just been appointed on the sale but I can't find my title deeds. Will this cause complications?
You need not be too concerned. Firstly there is a chance that the deeds will be with your mortgage company or they may be archived with the conveyancers who oversaw your purchase. Secondly in most cases the land will be registered at the land registry and you will be able to establish that you own the property by your conveyancing solicitors obtaining up to date copy of the land registers. Nearly all conveyancing in Whitnash involves registered property but in the unlikely event that your home is unregistered it is more of a problem but is not insurmountable.
I have a decision in principle. The bank mentioned the mortgage came with free conveyancing. Is the implication that I have to appoint their panel solicitor as I would much rather instruct a local conveyancing solicitor in Whitnash?
You should check but the the likelihood is that give you one of their panel lawyers where you want the "fee-free" deal. Speak to the mortgage company to see if they allow a monetary alternative. In the past a few mortgage companies offered a £250 cashback as a further option in which case that money can go towards the cost for your conveyancing solicitor near Whitnash.
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in last month in what should have been a quick, chain free conveyancing. Whitnash is the location of the property. Is there any guidance you can give?
Flying freeholds in Whitnash are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Whitnash you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Whitnash may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
My husband and I are first time buyers - agreed a price, yet the agent informed us that the vendor will only go ahead if we use their preferred lawyers as they need an ‘expedited deal’. Our preferred option is to instruct a local solicitor with experience of conveyancing in Whitnash
It is improbable the sellers are driving this. Should the seller desire ‘a quick sale', turning down a genuine buyer is likely to cause more damage than good. Try to communicate with the sellers directly and make the point that (a)you are keen to buy (b)you are ready to go, with finances in place © you are chain free (d) you wish to move quickly (e)however you will continue to use your preferred Whitnash conveyancing solicitors - as opposed tothose that will provide their negotiator at the agency a commission or achieve conveyancing figures set by corporate headquarters.
Estate agents have just been given the go-ahead to market my 2 bed flat in Whitnash. Conveyancing solicitors are to be appointed soon, but I have just had a yearly maintenance charge invoice – should I leave it to the buyer to sort out?
Your conveyancing lawyer is likely to suggest that you should discharge the service charge as normal given that all rents and maintenance charges should be allotted on completion, so you will be reimbursed by the buyer for the period running from after the completion date to the subsequent invoice date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.
Whitnash Leasehold Conveyancing - Sample of Queries before buying
Make sure you discover if the the lease contains any onerous restrictions in the lease. By way of example it is reasonably common in Whitnash leases that pets are not allowed in in a block in Whitnash. If you like the apartmentin Whitnash but your dog can’t move with you then you will be presented with a hard determination. The answer will be helpful as a) areas may cause problems in the building as the common areas may begin to deteriorate if maintenance remain unpaid b) if the tenants have an issue with the managing agents you will want to know about it Can you inform me if there are any major works in the near future that will increase the maintenance charges?