It is a dozen years since I acquired my property in Idle. Conveyancing solicitors have recently been appointed on the sale but I am unable to locate my title deeds. Will this cause complications?
Don’t worry too much. First there is a possibility that the deeds will be retained by your mortgage company or they may still be with the conveyancers who acted in the purchase. Secondly the likelihood is that the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors obtaining current official copies of the land registers. Most conveyancing in Idle involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
My Solicitor in Idle is not on the Approved Panel. Can I still use my family solicitor notwithstanding that they are not on the list of approved lawyers?
The limited options available to you here include:
- Carry on with your preferred Idle lawyers but will need to instruct a conveyancer on their list of acceptable firms. This will inevitably rack up the overall legal fees as well as result in delays.
- Choose an alternative practitioner to to deal with the conveyancing, remembering to check they are len approved.
- Try to convince your based solicitor to try to join the len panel
Due to the guidance of my in-laws I had a survey completed on a house in Idle prior to appointing lawyers. I have been told that there is a flying freehold overhang to the property. My surveyor has said that some lenders will not grant a mortgage on such a house.
It depends who your proposed lender is. Lloyds has different requirements for example to Nationwide. If you e-mail us we can check with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Idle. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Idle to see if the conveyancing will be more expensive.