It is is a decade since I purchased my property in Chipstead. Conveyancing solicitors have now been appointed on the sale but I am unable to track down my deeds. Will this cause complications?
You need not be too concerned. First there is a possibility that the deeds will be retained by the mortgage company or they could stored with the solicitor who acted in the purchase. Secondly the chances are that the property will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers procuring up to date copy of the land registers. Nearly all conveyancing in Chipstead relates to registered property but in the rare situation where your property is unregistered it adds to the complexity but is not insurmountable.
We are buying a 3 bedroom semi in Chipstead. Our aim is to an extension at the rear at the property.Will legal conveyancing on the property include checks to determine if these alterations are permitted?
Your property lawyer will review the registered title as conveyancing in Chipstead can sometimes reveal restrictions in the title documents which prohibit certain works or require the permission of a 3rd party. Certain works call for local authority planning permissions and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these issues with a surveyor prior to committing yourself to a purchase.
Planning on purchasing a maisonette in Chipstead. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the HSBC conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Chipstead conveyancer is on the HSBC conveyancing panel.
Our offer on a house in Chipstead has been agreed to, the sellers do nevertheless have a connected purchase. The vendors have offered on on an apartment, however it’s not been accepted yet, and have viewings of other properties in the pipeline. I have selected a local conveyancing solicitor in Chipstead. What should be my next step? When should I get the mortgage application with RBS started?
It is understandable to have concerns where there is a chain as you are unlikely to want to incur expenses too early (home loan application is in the region of one thousand pounds, then survey, Chipstead conveyancing search fees, etc). The first course of action is to check that your lawyer is on the RBS approved list. As to the subsequent phase this very much depends on the specifics of your transaction, desire for the property and on the state of the market. In a rising market many purchasers will apply for the mortgage with RBS and arrange for the valuation and only if it was satisfactory would they pay their solicitor to press on with the conveyancing in Chipstead.
Should commercial conveyancing searches reveal proposed roadworks that could impact a commercial estate in Chipstead?
Many commercial conveyancing solicitors in Chipstead will conduct a SiteSolutions Highways report as it dramatically cuts the time that conveyancers expend in researching accurate data on highways that impact buildings and development assets in Chipstead. The report provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Chipstead.
For every commercial conveyancing transaction in Chipstead it is crucial to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately could cause delays to Chipstead commercial conveyancing transactions as well as present a risk to future intentions for the site. These searches are not ordered for residential conveyancing in Chipstead.
Are there restrictive covenants that are commonly picked up during conveyancing in Chipstead?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Chipstead. 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…’
Developers have recommended to me a conveyancer and I've received an estimate from them. It's almost £300 less expensive than my own Chipstead solicitor. Should I use them?
Housebuilders frequently have panels of lawyers who are quick and who know the builder's documentation and conveyancer. As many developers offer an incentive to choose their approved conveyancer for this reason, any increased fees can be avoided and a developer won't put forward a conveyancing warehouse and run the risk of having the transaction delayed when they want exchange inside a month. The argument for not agreeing to use the suggested lawyer is that they may be reluctant to 'push' your interests at the risk of upsetting the housebuilder. Where you have concerns that this may be the case you should stick with your local Chipstead property lawyer.