I'm in the process of changing my domestic loan to a BTL Barclays mortgage. I was told by my mortgage that I require a conveyancer for this. I had a chat my former Wotton under Edge conveyancing solicitor who dealt with the legals when I initially purchased the premises. The quote sent of £550 has taken me by surprise as I am not require purchase conveyancing - it’s simply a straightforward remortgage.

The quote is slightly on the steep side. If you shop around you might shave off some of the expense by as much as a hundred pounds. On the other hand, assuming were pleased with the conveyancing the firm gave you couldlive to rue choosing an a cheaper lawyer. If is important to be sure the firm can also act for Barclays . You can use our search tool to select a Wotton under Edge conveyancing firm on the Barclays approved list of lawyers, which can often include conveyancing solicitors in Wotton under Edge.

It is a dozen years since I bought my property in Wotton under Edge. Conveyancing solicitors have just been retained on the sale but I can't locate the title documents. Will this jeopardise the sale?

Don’t worry too much. First the deeds may be kept by the mortgage company or they may stored with the conveyancers who acted in your purchase. Secondly in most cases the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Nearly all conveyancing in Wotton under Edge relates to registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.

We are planning to buy with Coventry BS. I went into a few high street firms but am struggling to find a Wotton under Edge conveyancing firm on the Coventry BS panel. Could you help?

You should take advantage of the find a conveyancing panel solicitor tool on this web page. Pick the building society and type Wotton under Edge or your location and you will be presented with numerous conveyancers located in Wotton under Edge or by proximity to you.

I have been on the look out for a leasehold apartment up to £305k and identified one near me in Wotton under Edge I like with open areas and transport links nearby, however it only has 51 remaining years left on the lease. There is not much else in Wotton under Edge for this price, so just wondered if I would be making a mistake purchasing a short lease?

If you require a mortgage that many years may be problematic. Discount the price by the amount the lease extension will cost if not already taken into account. If the existing proprietor has owned the property for at least 2 years you may request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer concerning this.

Back In 2009, I bought a leasehold flat in Wotton under Edge. Conveyancing and National Westminster Bank mortgage organised. A letter has just been received from someone saying they have taken over the reversionary interest in the property. Attached was a demand for arrears of ground rent dating back to 1996. The conveyancing practitioner in Wotton under Edge who previously acted has long since retired. Do I pay?

The first thing you should do is make enquiries of HMLR to make sure that the individual purporting to own the freehold is in fact the new freeholder. You do not need to instruct a Wotton under Edge conveyancing practitioner to do this as you can do this on the Land Registry website for a few pound. You should note that regardless, even if this is the legitimate freeholder, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

Wotton under Edge Conveyancing for Leasehold Flats - Examples of Questions you should ask before buying

In the main the cost for major works tend not to be incorporated into the service charges, albeit that a few managing agents in Wotton under Edge require tenants to pay into a reserve fund and this is used to offset against major repairs or maintenance. How many of the leaseholders are in arrears for their maintenance charge payments? Please inform me if there are any major works in the planning that could increase the service costs?