It is is a decade since I bought my house in Chessington. Conveyancing lawyers have just been instructed on the sale but I can't locate the title documents. Will this jeopardise the sale?
You need not be too concerned. First there is a chance that the deeds will be with the lender or they may be in the possession of the conveyancers who acted in the purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining up to date copy of the land registers. Most conveyancing in Chessington relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is not insurmountable.
My Conveyancer in Chessington is not listed on the Virgin Money Solicitor Panel. Can I still retain my family solicitor even though they are not on the Virgin Money panel of approved conveyancing solicitors?
The limited options open to you here include:
- Complete the purchase with your preferred Chessington solicitors but Virgin Money will need to instruct a lawyer on their panel. This will result in additional total legal charges as well as result in frustration.
- Choose an alternative lawyer to act in the purchase, obviously checking they are Virgin Money approved.
- Try to convince your Virgin Money based solicitor to seek to join the Virgin Money panel
I have been told that property searches are the main reason for hinderance in Chessington house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) has noted the findings of a review by MoveWithUs that conveyancing searches do not feature amongst the common causes of delays during the legal transfer of property. Local searches are not likely to be the root cause of slowing down conveyancing in Chessington.
Despite weeks of looking the Title Certificate and documents to my property can not be found. The conveyancers who did the conveyancing in Chessington 4 years ago are no longer around. What do I do?
In today’s world there are duplicates made of almost everything, and your lawyer will be aware precisely where to look for all the appropriate paperwork so you can purchase or dispose of your house without a hitch. If duplicates are not available, your solicitor may be able to arrange cover in the form of insurance or indemnities protecting you against future claims on your premises.
I opted to have a survey completed on a house in Chessington prior to appointing solicitors. I have been told that there is a flying freehold element to the property. Our surveyor advised that some lenders may refuse to grant a loan on this type of house.
It depends who your proposed lender is. Lloyds has different instructions for example to Nationwide. Should you wish to call us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Chessington. Conveyancing may be slightly more expensive based on your lender's requirements.
My mother and father cant seem to find their Chessington land registry title on the online search facility. They recall that 48 years ago when they acquired the property there were complications regarding the post code not being identified on some systems.
Nearly all properties in Chessington should be revealed. Have you limited your search to simply the postcode. Usually it should identify all the premises within the postcode. Assuming the property is registered it will be there with a title number. Where they bought sixty years ago it's conceivable it may be unregistered. The property might still be revealed but with the title number shown 'na'. In this scenario you will need to track down the original title deeds which might be with your parent’s lender.