It is a dozen years since I purchased my home in Groby. Conveyancing lawyers have now been instructed on the sale but I can't locate the deeds. Will this cause complications?

You need not be too concerned. Firstly the deeds may be with the mortgage company or they may still be with the conveyancers who handled the purchase. Secondly the chances are that the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining current official copies of the land registers. Nearly all conveyancing in Groby relates to registered property but in the rare situation where your property is not registered it is more problematic but is resolvable.

I used Action Conveyancing several years ago for my conveyancing in Groby. I now require my papers however the law firm has closed. What do I do?

Do contact the Solicitors Regulatory Authority (SRA) to assist in tracing your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Groby of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

Due to the encouragement of my in-laws I had a survey completed on a property in Groby in advance of appointing lawyers. I have been advised that there is a flying freehold overhang to the property. Our surveyor has said that some banks may not grant a mortgage on this type of home.

It varies from the lender to lender. Lloyds has different requirements from Birmingham Midshires. If you e-mail us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Groby. Conveyancing will be smoother if you use a solicitor in Groby especially if they regularly deal with such properties in Groby.

Back In 2005, I bought a leasehold flat in Groby. Conveyancing and Norwich and Peterborough Building Society mortgage are in place. A letter has just been received from someone saying they have taken over the reversionary interest in the property. Attached was a ground rent demand for rent dating back to 1994. The conveyancing practitioner in Groby who acted for me is not around. Do I pay?

First make enquiries of HMLR to make sure that this person is in fact the new freeholder. It is not necessary to incur the fees of a Groby conveyancing lawyer to do this as it can be done on-line for a few pound. You should note that in any event, even if this is the legitimate freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.

Leasehold Conveyancing in Groby - Sample of Queries Prior to buying

Are any of leasehold owners in arrears of their service charge liability? Most Groby leasehold properties will have a service charge for maintenance of the block invoiced by the landlord. Should you purchase the flat you will have to pay this charge, normally in instalments during the year. This may vary from two or three hundred pounds to thousands of pounds for buildings with lifts and large common grounds. There will also be a ground rent for you to pay annual, normally this is not a large amount, say approximately £25-£75 but you should to check as on occasion it could be many hundreds of pounds. You will want to discover as much as you can about the managing agents as they can either make life much simpler or problematic. As the owner of a leasehold property you will be at the mercy of the managing agents from a financial perspective and when it comes to daily issues like the tidiness of the communal areas. Ask other people whether they are happy with them. In conclusion, find out the dates that the service charges are due to the managing agents and precisely what you get for your money.

My lender have just issued us with a mortgage offer. We instructed a local conveyancer in Groby yesterday. Today, our broker phoned to advise us that the bank said that we cannot use our solicitor as they aren't on their panel. As novices, we did not have a clue that the lender had some control over our choice Is this legal?

You are at liberty to choose any conveyancing solicitor you want to select including the said conveyancer in Groby however if your bank aren't happy with them you must incur additional cost so your bank can retain their own conveyancer too. It may be possible your preferred conveyancing firm to get included on to the bank panel. You can use online tools including lenderpanel.com to find a conveyancing solcitor in Groby on the lender panel. You can go into your high street mortgage company branch in Groby. They will know some good conveyancing solicitors in Groby on the bank panel.