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Conveyancing: 12 Key Terms (part 2)
Following from last week’s article on 12 conveyancing key terms, here are key terms 4, 5 and 6:
No 4: ‘Searches‘
This is exactly what it says it is, searching. Part of the conveyancing process is to search for important information relating to the property and its ownership. The conveyancer is qualified and licensed to search for information on the property you wish to buy. The search is done by contacting various authorities and these include county councils and water authorities. Some companies specialise in particular searches so your conveyancer will use their services in order to speed up the conveyancing process.
No 5: ‘Land Registry’
This is the official body that holds the record of your property ownership. They provide evidence of the property Title. Thanks to Land Registry, unlawful transfer of title or disposal of property will be prevented. Your conveyancer will register your property with the land registry.
Number 6: ‘Mortgage‘
The funds you borrow in order to buy property. The bank or building society is the mortgage lender or Mortgagee or the one who lends you the money to buy a house. You are the Mortgagor, the one borrowing the money. You own your property but in case of failure to pay back your mortgage, the morgagee or lender is entitled to own your property – repossess the property in order to recover money lent out to you.
Please check our blog next week for another 3 essential key terms in coveyancing work. In the meantime, please give us a call if you are thinking of buyng or selling property. We will help you understand the conveyancing process and how we maintain a personable relationship with buyers and sellers of property or land. SG
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