It is 10 years ago since I bought my house in Bude. Conveyancing solicitors 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 retained by your mortgage company or they may be in the possession of the conveyancers who acted in 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 acquiring up to date copy of the land registers. Most conveyancing in Bude involves registered property but in the rare situation where your property is unregistered it adds to the complexity but is resolvable.
We are buying a terrace house in Bude. The intention is to an extension at the rear at the property.Will legal conveyancing on the property involve checks to ascertain if these works are allowed?
Your conveyancer should review the deeds as conveyancing in Bude will occasionally identify restrictions in the title documents which restrict categories of works or need the permission of another owner. Many works need local authority planning consent and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these things with a surveyor before you commit yourself to a purchase.
My offer was accepted on a property in Bude on 2/6/2025, valuation was booked 4 days after, all came back fine. Solicitor retained, so all that was missing was my mortgage offer. Having made daily calls to Skipton and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Skipton conveyancing panel. Are Skipton entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Skipton to deal with your lawyer's application to be on the Skipton conveyancing panel. There's no guarantee that your solicitor will be accepted.
TSB have agreed my mortgage in principle, my offer on a apartment in Bude has been agreed to, what happens next?
The estate agent will wish to know who your solicitors are (ensure that the lawyers are on the bank’s panel). Contact TSB or the financial adviser and finalise any relevant forms. TSB will instruct a valuer who will get in contact with the estate agent or owners to book an appointment. Once carried out (assuming no problems) it takes on average a week to receive the mortgage offer. TSB will send the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Bude.
Should my lawyer be making enquiries concerning flooding during the conveyancing in Bude.
The risk of flooding is if increasing concern for solicitors specialising in conveyancing in Bude. Some people will purchase a house in Bude, completely aware that at some time, it may suffer from flooding. However, aside from the physical damage, if a property is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or dispose of the premises. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Lawyers are not qualified to offer advice on flood risk, but there are a number of searches that may be initiated by the purchaser or on a buyer’s behalf which can figure out the risks in Bude. The standard information supplied to a buyer’s lawyer (where the Conveyancing Protocol is adopted) contains a standard inquiry of the owner to determine if the premises has suffered from flooding. If flooding has previously occurred and is not revealed by the owner, then a buyer may bring a compensation claim resulting from an misleading reply. A buyer’s conveyancers may also conduct an environmental search. This will indicate if there is any known flood risk. If so, further investigations should be conducted.
I opted to have a survey completed on a property in Bude before appointing solicitors. I have been informed that there is a flying freehold aspect to the property. My surveyor has said that some lenders tend refuse to issue a loan on this type of house.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Nationwide. Should you wish to telephone us we can look into this further 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 Bude. Conveyancing will be smoother if you use a solicitor in Bude especially if they are familiar with such properties in Bude.
My father has recommend that I use his lawyers for conveyancing in Bude. Do I take his guidance?
No doubt the best way to select a conveyancing lawyer is to get guidance from friends or relatives who have used the solicitor that you are are thinking of instructing.