My husband and I intend to remortgage our maisonette in Hartford with . We have a son 18 who lives with us. Our solicitor has asked us to disclose anyone over the age of 17 other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the property is repossessed. I have two concerns (1) Is this form unique to the conveyancing panel as he did not need to sign this form when we purchased 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to . This is solely used to protect if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
It is is a decade since I purchased my property in Hartford. Conveyancing solicitors have just been appointed on the sale but I am unable to track down my deeds. Will this cause complications?
You need not be too concerned. Firstly there is a chance that the deeds will be kept by the mortgage company or they may be in the possession of the conveyancers who oversaw your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring current official copies of the land registers. The vast majority of conveyancing in Hartford involves registered property but in the rare situation where your property is unregistered it adds to the complexity but is resolvable.
We are planning on selling our house in Hartford and the buyers lawyers are claiming that there is a risk of it being built land that was not decontaminated. A local lawyer would know this is not the case. It does beg the question why the buyers instructed an internet conveyancing practice rather than a conveyancing solicitor in Hartford. We have lived in Hartford for six years we know of no issue. Is it a good idea to contact our local Authority to get confirmation that there is no issue.
It would appear that you have a conveyancing solicitor currently acting for you. Are they able to advise? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
Despite weeks of looking the Title Certificate and documents to our home can not be found. The conveyancers who conducted the conveyancing in Hartford years ago have long since closed. What do I do?
Gone are the days when you need to hold title official documentation to prove you are the owner of your registered land or premises, as the Land Registry hold details of all registered land or property electronically.
My husband and I are a fortnight into a leasehold purchase having been recommend to solicitors by the local agent to perform conveyancing in Hartford. I am am very disappointed with the level of service. Could you help me find new solicitors?
A lawyer would have to be very poor to suggest replacing them. Has your loan offer been generated? In the event that it has you will need to inform them of the new contact details and get the mortgage documents are re-sent. Your new solicitor ideally needs to be on the mortgage company panel to avoid added fees and complications. That should be your starting point. The find a solicitor tool will help you find a lender approved conveyancer for your home move in Hartford