It is is a decade since I purchased my home in Caddington. Conveyancing lawyers have recently been instructed on the sale but I am unable to track down the title documents. Will this jeopardise the sale?
You need not be too concerned. Firstly there is a possibility that the deeds will be with your mortgage company or they could be in the possession of the lawyers who oversaw the purchase. Secondly in all probability the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors procuring current official copies of the land registers. The vast majority of conveyancing in Caddington involves registered property but in the unlikely event that your property is unregistered it is more problematic but is resolvable.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Caddington. My lender is Virgin
Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 5/12/2025, the requirements read as follows :
Me and my partner are buying a flat in Caddington. I might seem paranoid but how we can trust a conveyancer? At some point we have to send our life savings into their account. What protection do we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
There are plenty of conveyancing solicitors in Caddington but how do I know who I should use?
We would encourage you not to base your choice on the lowest Caddington conveyancing costs illustration. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
Aldermore have agreed my home loan in principle, my bid on a house in Caddington has been accepted, what are the next steps?
Your estate agent will wish to know who your solicitors are (make sure the property lawyers are on the lender’s approved list). Telephone Aldermore or the financial adviser and finish off any appropriate documentation. Aldermore will sellect a valuer who will get in touch with the estate agent or vendor to arrange an appointment. Once carried out (assuming no problems) it takes about ten days to receive the mortgage offer. Aldermore will issue the offer to you and your lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Caddington.
Are there restrictive covenants that are commonly identified as part of conveyancing in Caddington?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Caddington. 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 have been on the look out for a flat up to £305k and identified one near me in Caddington I like with open areas and railway links in the vicinity, however it only has 49 years on the lease. I can't really find anything else in Caddington for this price, so just wondered if I would be making a mistake purchasing a lease with such few years left?
If you require a home loan that many years may be a potential deal breaker. Discount the price by the amount the lease extension will cost if not already taken into account. If the current owner has owned the property for at least 2 years you could ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing lawyer regarding this.
How up-to-date is your search tool for the lender conveyancing panel in Caddington? Do the lenders send you an updated list?
Caddington law firm practices and firms conducting conveyancing in Caddington themselves provide us confirmation that they are on the bank conveyancing panel as opposed to being supplied with a list from the mortgage company directly.