Whether you're a layman looking to understand your own transaction or a lawyer needing assistance with a client's conveyancing our step by step sale and purchase guides will lead you through the process while our mini guides will break the whole thing into manageable chunks and give a deep insight into the key issues and stages. Leasehold, freehold, unregistered, registered – we've got it all covered.
Need help with a remortgage or transfer of equity / deed of gift? Our guides will walk you through the process and highlight some of the common pitfalls. Mortgages and transfers can be very simple procedures but complex issues can sometimes arise and mistakes are easily made. These guides will help you deal with them.
So you want to have a go at your own conveyancing? First you should read about the risks, then if you're still happy to proceed, our guides will take you through each stage of the process telling you what to look out for and helping you avoid falling into expensive traps. Our subscription service will give you access to all of the documents you should need for your conveyancing and we can even supply you with the Land Registry Official Copies you'll need. Our general guides will cover all the obstacles you are likely to face and offer a practical solution. Have a look at our sale and purchase guides too.
A big part of the conveyancing process is the conveyancing searches. This section tells you all about them. What they are, how and when to order them and how to interpret the results. Each search has its own guide and you'll see they are separated into Standard (should be done in every case), Regional (area specific) and Optional (not essential but often useful tools for the would be purchaser). All buyers should beware that when you buy a property, the law assumes that you have seen the information that would have been revealed by searches whether or not you have actually carried them out, so you buy the property subject to the results.
Using a conveyancer to handle your conveyancing will greatly reduce the risk to you and sometimes, particularly if you are taking out a new mortgage, you will have no choice but to instruct a conveyancer. The good news is it doesn't have to break the bank. Get a free, instant quote here. We can also help with quick easy quotes for other moving related services.
Are you looking for the documents you'll need for your conveyancing transaction? Or official copies of the title or other documents from Land Registry. We can help you. Follow the links below.
My ex-husband bought the matrimonial home in 2003 in his sole name with sole mortgage (our previous property in my sole maiden name hadn't reached completion after sale yet). He left the matrimonial home in 2006 after not paying the mortgage for the previous year. I have paid the mortgage since 2006. I applied to register my interest with the land registry in January 2005 (long before he left) as I believed he was withdrawing equity against the property (which he was). It came to my attention that he had a credit card registered at the address, and in 2008 SkyCard trading as Barclays Bank entered a restriction against my property with the Land Registry for the sum of £8000. Divorce proceedings had already been started by this time. I have tried to get them to remove the restriction, as a judge made an order during the divorce that my ex-husband was to have no benefit or future profit from the sale of my home, and the judge then ordered that my ex-husband be removed from the title deed. The mortgage lender had agreed to ADD my name to the existing mortgage, even though I did not earn enough to obtain a £315,000 loan (but not remove his name) as I had been paying the mortgage for years by this time. I am loathe to use any money from the sale of my property to allow the restriction from Barclays to be honoured, as my ex-husband obviously obtained the Credit Card AFTER he left the marital home and I had no knowledge of it. (My post box is OUTSIDE my house at the end of a long drive so he often used to sneak round and steal letters whilst I was at work). The judge only made the decree to remove his name from the deeds after I producted evidence that £200,000 of my own money (from the sale of previous properties) had been paid off the mortgage for the marital home. (Which my ex-husband then promptly spent without my knowledge, as my name was not on the mortgage so I could not call the mortgage lenders as they refused to speak to me).
How do I get the restriction pertaining to his Credit Card debt removed so that I may sell my house? I have written to Barclays numerous times over the years, and have given them my ex-husband's contact details and address but he denies all knowledge of any contact from them (naturally). Many thanks.
The question that needs to be answered is, at the time of the restriction who was entitled to the equity in the property. If that was your husband then I'm afraid you might be stuck with the debt but you need to speak to a litigator