The Gerrards Cross conveyancing firm handling our Gerrards Cross conveyancing has uncovered a difference when comparing the assumptions in the home valuation report and what is in the legal papers for the property. My solicitor informs me that he needs to check that the bank is OK with this discrepancy and is still content to lend. Is my conveyancer’s course or action appropriate?
Your solicitor must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
It is 10 years ago since I acquired my property in Gerrards Cross. Conveyancing lawyers have just been retained on the sale but I can't locate my deeds. Is this a problem?
Don’t worry too much. Firstly there is a possibility that the deeds will be kept by the lender or they may stored with the conveyancers who oversaw the purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors acquiring current official copies of the land registers. Almost all conveyancing in Gerrards Cross relates to registered property but in the unlikely event that your property is not registered it adds to the complexity but is not insurmountable.
My relative recommended that if I am purchasing in Gerrards Cross I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is occasionally included in the estimate for your Gerrards Cross conveyancing searches. It is a large report of about 40 pages, listing and detailing significant information about Gerrards Cross around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Gerrards Cross Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful information concerning Gerrards Cross.
I have recentlybeen informed that Wolstenholmes have been shut down. They carried out my conveyancing in Gerrards Cross for a purchase of a leasehold apartment 12 months ago. How can I check that my home is not still registered in the name of the former proprietor?
The easiest method to see if the premises is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Gerrards Cross conveyancing specialists.
How does one as executor remove a departed person's name from the title register for a property in Gerrards Cross?
Where a Gerrards Cross property is jointly owned and one of the owners passes away, their name will not automatically be removed from the title deeds. You are not required to remove their name as in the event of a disposal your conveyancer would simply be asked to supply proof why the joint owner is not a party to the conveyance, such as the probate documents.
With a view to making the sale conveyancing smoother in the future you may apply to have the deceased person erased from the title by applying to the land registry with evidence of the death. There is no land registry fee payable.