What is the first thing I need to know concerning purchase conveyancing in Southmead?
Not many law firms or advisers will tell you this but conveyancing in Southmead and elsewhere in England and Wales is an adversarial experience. In other words, when it comes to conveyancing there exists an abundance of opportunity for conflict between you and other parties involved in the house moving process. For instance, the seller, estate agent and sometimes a bank. Appointing a solicitor for your conveyancing in Southmead is a critical decision as your conveyancer is your adviser, and is the ONLY person in the legal process whose interest is to protect your legal interests and to protect you.
There is a distinct creep in the "blame" culture- someone has to be blamed for the process taking so long. We recommend that you your first instinct should be to trust your lawyer above the other players in the home moving process.
Is it necessary during the course of the conveyancing process to visit the offices of the solicitor to execute the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Southmead so that I can pop in to their offices when needed.
Most approved lawyers for lenders carry out their work via Royal Mail, internet or over phone calls. This means that they can undertake the legal work for your home move regardless of where you live in the country. However you can check if you have the option of going to the offices of your conveyancing lawyer if just in case this is required.
My wife and I purchasing a 3 bedroom semi in Southmead. Our aim is to carry out a loft conversion at the property.Will the conveyancing process involve investigations to determine if these works are permitted?
Your conveyancer will review the registered title as conveyancing in Southmead will on occasion identify restrictions in the title documents which prohibit certain changes or require the consent of a 3rd party. Some additions need local authority planning permissions and approval in compliance with building regulations. Many locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these issues with a surveyor ahead of any purchase.
is it true that all Southmead solicitors on the Coventry BS conveyancing panel are regulated by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Coventry BS approved list of solicitors they would need to be overseen by the Solicitors Regulatory Authority. The majority of mortgage companies do list licenced conveyancers on their panel and in that case the firms would be regulated by the Council of Licensed Conveyancers.
My sealed bid on a semi in Southmead has been accepted, but there is a chain. The vendors have placed an offer on a flat, however it’s not been accepted yet, and are looking at other flats booked. I have instructed a bricks and mortar conveyancing solicitor in Southmead. What do I do now? When should I get the mortgage application with Aldermore started?
It is usual to have concerns where there is a chain as you are unlikely to want to incur expenses too early (mortgage application is in the region of £1k, then survey, Southmead conveyancing search charges, etc). The first thing to do is check that your lawyer is on the Aldermore approved list. Concerning the next steps this very much dictated by the uniqueness of your transaction, attraction to the property and on the state of the market. In a rising market the majority of purchasers will apply for the mortgage with Aldermore and pay for the valuation and only if it was satisfactory would they request their conveyancer to press on with searches.
I own a semi-detached Victorian house in Southmead. Conveyancing lawyer represented me and Aldermore. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, another for leasehold with the matching property. Is it worth asking Aldermore to clarify?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Southmead and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with your conveyancing lawyer who conducted the work.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on a fortnight ago in what was supposed to be a straight forward, no chain conveyancing. Southmead is where the house is located. What do you suggest?
Flying freeholds in Southmead are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Southmead you must be sure that your lawyer goes through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Southmead may decide 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.