It is a dozen years since I bought my property in Ashbourne. Conveyancing solicitors have just been instructed on the sale but I can't track down the title deeds. Will this cause complications?
You need not be too concerned. First there is a possibility that the deeds will be with the lender or they could still be with the conveyancers who oversaw your purchase. Secondly in all probability 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 lawyers acquiring current official copies of the land registers. The vast majority of conveyancing in Ashbourne relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
About to place an offer on a leasehold property in Ashbourne. The estate agents assure me that it is standard for flats in Ashbourne to have less than 75 years remaining. I am getting a mortgage with Accord Mortgages. Is this going to be a problem if the lease has 72 years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 2/3/2025 the requirements read as follows :
What is the difference between a licensed conveyancer and conveyancing solicitor in Ashbourne
Two types of professional can conduct conveyancing in Ashbourne namely licenced conveyancers or solicitors. The two can handle conveyancing services that you need to complete the sale or purchase of property. They are both duty bound to handle Ashbourne conveyancing to the same standards and guidelines so you can be sure that your conveyancing will be professionally conducted and that all requisite procedures should be suitably followed.
I am being advised by my conveyancer that absentee landlord insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Ashbourne?
The right level of absentee landlord indemnity insurance depends on who your lender is. It would differ for example between HSBC Bank and Chelsea Building Society. Conveyancing solicitors as opposed to borrowers take out such policies.
I have a mortgage with Coventry BS for my property in Ashbourne. Conveyancing has been completed some time ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Coventry BS?
Coventry BS must be informed of your intention prior to renting your property as this is likely to be a breach of Coventry BS’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Coventry BS directly. You need not do this via a Coventry BS conveyancing panel solicitor.
Just acquired a semi-detached house in Ashbourne , What is the estimated time for the Land Registry to deal with the formalities evidencing my ownership? My Ashbourne conveyancing solicitor works at snail pace, so I want to check that my ownership is registered.
As far as conveyancing in Ashbourne is concerned, registration is no faster or slower than the rest of the country. Rather than based on location, timeframes can adjust according to the party submitting the application, whether it is in order and whether the Land registry must send notices to any interested persons or bodies. At present in the region of three quarters of such applications are fully dealt with in less than three weeks but occasionally there can be longer delays. Historically registration is effected after the new owner has moved in to the premises thus registration formalities is not always top priority yet if there is a degree of urgency associated with the registration then you or your lawyers must contact the land registry and explain the circumstances.
My business partner and I are looking to lease a unit on the high street. Can you recommend lawyers offering competitive fees for commercial conveyancing in Ashbourne for less than 1500k?
We are happy to recommend firms who have an in-depth of experience of commercial conveyancing in Ashbourne, including the sale and acquisition of businesses as well as simply premises. Whether you are looking to purchase or dispose of a shop, pub, restaurant, office, retail premises or a complete business we will put you in touch with the right firm. Regarding the charges these will vary based on the structure and heads of terms of the proposed transaction. Please provide us with your details or phone us so that we may provide you with comprehensive commercial conveyancing quote.