It is is a decade since I acquired my house in Chase Side. Conveyancing solicitors have just been instructed on the sale but I am unable to track down the title documents. Will this cause complications?
Don’t worry too much. First the deeds may be retained by the mortgage company or they may be archived with the conveyancers who acted in the 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 solicitors procuring up to date copy of the land registers. Nearly all conveyancing in Chase Side relates to registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
I have a decision in principle. The bank mentioned the mortgage came with free conveyancing. Is the implication that I have to use their panel conveyancer as I would prefer to use a local conveyancing solicitor in Chase Side?
You should check but the the likelihood is that appoint one of their panel conveyancers should you take up the "fee-free" offer. Call the bank and ask if they allow a monetary alternative. In the past a few lenders offered a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor near Chase Side.
What will a local search tell me concerning the property my wife and I purchasing in Chase Side?
Chase Side conveyancing often commences with the ordering local authority searches directly from your local Authority or via a personal search company for example Searches UK The local search is essential in every Chase Side conveyancing purchase; as long as you wish to avoid any nasty surprises after you move into your property. The search should provide data on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic areas.
Are there restrictive covenants that are commonly identified during conveyancing in Chase Side?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Chase Side. 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'm converting the mortgage on my current property to a buy to let mortgage with HSBC Bank and I will use the rest of the raised equity towards a second property. The location we are talking about is Chase Side. Will your solicitors be able to act for the two lenders and link together the two deals?
Make use of our search tool on this site to be sure that the solicitors are on the appropriate lender panels. On the basis that they are the lawyer will be able to simultaneously deal with the two deals but you should have a chat with you conveyancer and make clear your desired outcome and needs.