It is is a decade since I purchased my house in Pulborough. Conveyancing solicitors have recently been appointed on the sale but I can't locate the title deeds. Will this cause complications?
You need not be too concerned. Firstly the deeds may be with your lender or they could stored with the lawyers who acted in the purchase. Secondly the likelihood is that the property 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. Almost all conveyancing in Pulborough involves registered property but in the unlikely event that your home is not registered it is more of a problem but is resolvable.
My uncle passed away 10 months ago and as sole heir and executor I was left the house in Pulborough. The house had a small mortgage left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to RBS, pay off the mortgage. Is this possible?
Where you intend to refinance then RBS will require that you use a conveyancer on the RBS conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your RBS conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the RBS mortgage is registered as a charge at the Land Registry.
I require fast conveyancing in Pulborough as I am under an ultimatum to complete within 3 weeks. A mortgage is not required. Is it possible to escape the need for conveyancing searches to save money and time?
As you are not getting a mortgage you have the choice not to have searches conducted although no conveyancer would advise that you don't. Drawing on our experience of conveyancing in Pulborough the following are instances of issues that can arise and therefore affect the marketability of the property: Refused Planning Applications, Outstanding Charges, Outstanding Grants, Unadopted Roads,...
Are there restrictive covenants that are commonly identified as part of conveyancing in Pulborough?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Pulborough. 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 own a leasehold flat in Pulborough. Conveyancing and Aldermore mortgage organised. A letter has just been received from someone claiming to own the reversionary interest in the property. Attached was a demand for arrears of ground rent dating back to 1995. The conveyancing solicitor in Pulborough who acted for me is not around. Any advice?
First contact the Land Registry to be sure that this person is indeed the new freeholder. There is no need to instruct a Pulborough conveyancing practitioner to do this as it can be done on-line for less than a fiver. You should note that in any event, even if this is the legitimate freeholder, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Pulborough Conveyancing for Leasehold Flats - Sample of Questions you should ask before Purchasing
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Does the lease have onerous restrictions? Generally speaking the cost for major works are not wrapped into the maintenance charges, although there some managing agents in Pulborough require leasehold owners to pay into a sinking fund created for the specific intention of establishing a fund for major repairs or maintenance. Plenty Pulborough leasehold apartments will incur a service charge for maintenance of the block invoiced by the management company. Should you buy the flat you will have to pay this liability, usually periodically throughout the year. This could differ from several hundred pounds to thousands of pounds for bigger purpose-built blocks. There will also be a rentcharge to be met yearly, normally this is not a large amount, say about £25-£75 but you should to enquire as sometimes it could be many hundreds of pounds.