It is is a decade since I bought my home in New Eltham. Conveyancing lawyers have just been instructed on the sale but I am unable to track down my title documents. Will this jeopardise the sale?
You need not be too concerned. First there is a chance that the deeds will be kept by the lender or they could be in the possession of the solicitor who handled your purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in New Eltham involves registered property but in the rare situation where your home is not registered it adds to the complexity but is not insurmountable.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in New Eltham. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 25/2/2025, the requirements read as follows :
Do I choose a Licenced Conveyancer or Solicitor for conveyancing in New Eltham?
There are many registered licenced Conveyancers in New Eltham and Solicitor practices in New Eltham to choose from We would stress that the two are supervised by regulatory bodies with both specialising in the legal aspects of the home buying process. Both can deal with associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
I have decided to exercise my right to buy my property in New Eltham off the council. I have a mortgage agreed with Co-operative. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Co-operative, you will need to appoint a solicitor on the Co-operative conveyancing panel.
Nottingham have agreed my home loan in principle, my offer on a flat in New Eltham has been accepted, what are the next steps?
Your property agent will want to know who your solicitors are (make sure the property lawyers are on the bank’s approved list). Call up Nottingham or your financial adviser and finish off any relevant documentation. Nottingham will appoint a valuer who will get in contact with the selling agent or owners to arrange a time for the valuation to occur. Once carried out (assuming no problems) it takes about a fortnight to get a mortgage offer. Nottingham will send 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 New Eltham.
What can a local search tell me concerning the house we're purchasing in New Eltham?
New Eltham conveyancing often starts with the submitting local authority searches directly from your local Authority or through a personal search company for instance Searches UK The local search plays an important role in most New Eltham conveyancing purchase; that is if you wish to avoid any nasty once you have moved into your property. The search will provide data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject headings.
How does conveyancing in New Eltham differ for newly converted properties?
Most buyers of new build property in New Eltham come to us having been asked by the builder to sign contracts and commit to the purchase even before the house is built. This is because builders in New Eltham usually buy the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in New Eltham or who has acted in the same development.
I purchased a house in New Eltham last 28/11/2023 and to date it is still not registered with the Land Registry. It was part of a development site and my lawyer told me that it may take one year to complete the registration formalities. I have called the Land Registry directly and they have informed me the original application was cancelled due to questions not being addressed in time. Should I be concerned?
It is your solicitor that you should contact in order to satisfy any questions which have arisen as part of the registration process for your New Eltham property. Normal New Eltham conveyancing practice includes an undertaking on the part of the vendor’s solicitor that they will help resolve any registration raised by HMLR so it may be a case of taking action to enforce that undertaking in some way.