I can't travel far from Partington. I would like to know the logic why all Partington lawyers aren't automatically on all bank panels?
A decade ago most mortgage companies demonstrated an approach to risk which is different from today. The FSA in 2010 instigated a thematic review into mortgage fraud which concluded: know the property lawyers on your panel. Accordingly, lenders have subsequently soughtmore data from law firms concerning their processes and the staff employed by them and set certain criteria such as completing a minimum amount of transactions. Thousands of firms have found themselves removed from lender panels even though they had an exemplary track record, no complaints and zero claims and didn't just 'dabble' in conveyancing. Many firms found it impossible meet the minimum volume of transactions the mortgage companies required.
It is a dozen years since I bought my house in Partington. Conveyancing solicitors have just been retained on the sale but I am unable to track down my deeds. Is this a problem?
You need not be too concerned. Firstly there is a possibility that the deeds will be retained by your mortgage company or they could be in the possession of the lawyers who acted in your purchase. Secondly the chances are that the property will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. The vast majority of conveyancing in Partington relates to registered property but in the unlikely event that your property is unregistered it is more tricky but is resolvable.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Partington?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Partington. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I need to appoint a conveyancing solicitor for residential conveyancing in Partington. I have chance upon a site which looks to be the ideal answer If there is a chance to get all formalities completed via phone that would be ideal. Do I need to be concerned? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
My mother and father are unable to locate their Partington property on the HM Land Registry website. They recall that back in the 70’s when they acquired the bungalow there were complications regarding Partington not being identified on some systems.
The vast majority of premises in Partington should be revealed. Have you attempted a search to simply the postcode. Usually it should mention all the residences inside the postcode. Where registered it will be there with a title number. If they bought back in the 60’s it's conceivable it may be unregistered. The address may still be revealed but with the title number shown 'na'. In this scenario you will need to track down the original title documentation which may be with your parent’s mortgage company.