It is is a decade since I bought my house in Westerham. Conveyancing solicitors have now been retained on the sale but I can't locate my title documents. Is this a major issue?
Don’t worry too much. Firstly the deeds may be kept by your mortgage company or they may be in the possession of the lawyers who acted in your purchase. Secondly the chances are 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 current official copies of the land registers. The vast majority of conveyancing in Westerham involves registered property but in the rare situation where your property is unregistered it is more of a problem but is resolvable.
Do I need to visit the offices of the solicitor to execute the legal charge? If so, I will instruct a firm who offer conveyancing in Westerham so that I can attend their offices if required.
Most conveyancing panel lawyers for banks undertake the vast majority of work through the post, e-mail or over the phone. This means that they can undertake the conveyancing transaction regardless of where you live in England or Wales. Nevertheless you can check if you have the option of visiting the offices of your conveyancing lawyer if you prefer.
I require expedited conveyancing in Westerham as I am under pressure to sign on the dotted line within one month. A home loan is not required. Can I decline from having conveyancing searches to save money and time?
If.Given you are are a mortgage free buyer you have the choice not to do searches although no law firm would advise that you don't. With plenty of history conveyancing in Westerham the following are instances of what can crop up and adversely affect the marketability of the property: Enforcement Notices, Overdue Fees, Outstanding Grants, Unadopted Roads,...
I have been on the look out for a flat up to £305k and identified one round the corner in Westerham I like with a park and station nearby, the downside is that it only has 49 years on the lease. There is not much else in Westerham for this price, so just wondered if I would be making a mistake acquiring a lease with such few years left?
Should you need a home loan the remaining unexpired lease term will likely be a potential deal breaker. Reduce the offer by the anticipated lease extension will cost if not already taken into account. If the current owner has owned the premises for a minimum of 2 years you can request that they commence the lease extension formalities and pass it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should speak to your conveyancing lawyer regarding this.
I'm refinancing my primary property to a buy to let loan with Halifax and I will use the rest of the raised equity as a deposit on further property. The neighborhood we are looking at is Westerham. Will your conveyancers be able to act for both sets of lenders and link together the two deals?
Make use of our comparison tool on this page to ensure that the conveyancers are on the relevant lender panels. Having checked that they are the lawyer should be able to connect the two deals but you should have a chat with you conveyancer and specify your desired outcome and needs.