It is a dozen years since I purchased my home in Merton. Conveyancing lawyers have just been instructed on the sale but I can't track down my deeds. Is this a major issue?
You need not be too concerned. First the deeds may be kept by your lender or they could be in the possession of the solicitor who oversaw the purchase. Secondly in all probability the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in Merton relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Merton. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 30/3/2025, the requirements read as follows :
My wife and I have a semi-detached Georgian property in Merton. Conveyancing solicitor represented me and Chelsea Building Society. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold under the matching address. Is it worth asking Chelsea Building Society to clarify?
You need to read 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 Merton and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with your conveyancing lawyer who conducted the conveyancing.
Yesterday I discovered that there is a flying freehold element on a house I have offered on last month in what should have been a straight forward, chain free conveyancing. Merton is where the house is located. Can you offer any advice?
Flying freeholds in Merton are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Merton you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Merton may determine 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.
I am looking into buying my first house which is in Merton and I am already nervous. I couldn't find anything specific about Merton. Conveyancing will be needed in due course but do you know about the Merton area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Merton. In the meantime here are some basic statistics that we found
I am 14 days into a leasehold purchase having been referred to conveyancers by the estate agent to execute conveyancing in Merton. I am am extremely dissatisfied with the level of service. Can you you assist me in finding new solicitors?
A lawyer would need to be very poor to suggest replacing them. Has your mortgage offer been generated? If so you need to inform them of the replacement conveyancer and ensure the mortgage documents are issued to the new lawyers. Your new solicitor ideally should be on the lenders panel to avoid escalating expenses and delays. That should be your starting point. Our find a solicitor tool can help you find a lender approved solicitor for your conveyancing in Merton