It is a dozen years since I acquired my house in Greater Manchester. Conveyancing lawyers have recently been instructed on the sale but I can't track down my title deeds. Will this cause complications?
You need not be too concerned. Firstly the deeds may be kept by your lender or they could stored with the conveyancers who acted in the purchase. Secondly in most cases the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors procuring up to date copy of the land registers. The vast majority of conveyancing in Greater Manchester involves registered property but in the rare situation where your property is unregistered it is more tricky but is not insurmountable.
I have recentlybeen informed that Stirling Law have closed. They conducted my conveyancing in Greater Manchester for a purchase of a freehold house 9 months ago. How can I check that my home is registered correctly in the name of the former proprietor?
The quickest method to see if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Greater Manchester conveyancing specialists.
I'm purchasing a new build house in Greater Manchester with the aid of help to buy. The sellers would not budge the price so I negotiated £7000 of extras instead. The estate agent told me not reveal to my lawyer about the deal as it will affect my loan with Lloyds TSB Bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the encouragement of my in-laws I had a survey completed on a property in Greater Manchester prior to instructing solicitors. I have been advised that there is a flying freehold element to the property. The surveyor has said that some lenders tend not give a loan on a flying freehold home.
It varies from the lender to lender. Bank of Scotland has different requirements for example to Nationwide. If you contact us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Greater Manchester. Conveyancing will be smoother if you use a solicitor in Greater Manchester especially if they are familiar with such properties in Greater Manchester.
I need to instruct a conveyancing practitioner in Greater Manchester for my house move. Is it possible to see a firm’s complaints history with the profession’s regulator?
One may search for presented Solicitor Regulator Association (SRA) decisions arising from inquisitions started on or after 1 January 2008. Visit Check a solicitor's record. To find details about the period before 1 January 2008, or to check a firm's record, ring 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, call +44 (0)121 329 6800. The regulator sometimes recorded call for training purposes.