Do the conveyancing lawyers via your comparison service handle attended exchange conveyancing in Leominster?

We do have a number of conveyancing specialists carrying out personalised exchanges. Do e-mail us to secure a costs illustration and details as to availability.

Me and my brother have a terraced Victorian property in Leominster. Conveyancing solicitor acted for me and . I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold under the matching property. I'd like to know for sure, how can I find out??

You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Leominster and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with your conveyancing solicitor who carried out the work.

How does conveyancing in Leominster differ for new build properties?

Most buyers of new build premises in Leominster contact us having been asked by the seller to exchange contracts and commit to the purchase even before the residence is finished. This is because new home sellers in Leominster usually purchase the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Leominster or who has acted in the same development.

I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a quick, chain free conveyancing. Leominster is the location of the property. Can you offer any guidance?

Flying freeholds in Leominster are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Leominster you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Leominster may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

My solicitors in Leominster have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with the lender. Is it case that being on the bank conveyancing panel they need to have retained the file for a number of years?

Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the bank Conveyancing Panel Terms. It might be worth you contacting the mortgage company directly.