Despite weeks of looking the Title Certificate and documents to our property can not be found. The lawyers who handled the conveyancing in Haltwhistle 4 years ago no longer exist. What do I do?

Gone are the days when you need to hold title official documentation to establish that you own the land or property, as the Land Registry have everything they need in a digital format.

Due to the encouragement of my in-laws I had a survey completed on a house in Haltwhistle in advance of appointing solicitors. I have been told that there is a flying freehold element to the property. Our surveyor advised that some banks will not issue a loan on a flying freehold home.

It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. Should you wish to telephone us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Haltwhistle. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Haltwhistle to see if the conveyancing will be more expensive.

Am I better off to choose a Haltwhistle conveyancing solicitor based in the area that I am hoping to buy? An old friend can handle the legal work however her office is 300kilometers away.

The primary upside of using a local Haltwhistle conveyancing practice is that you can pop in to sign documents, deliver your identification documents and pester them if necessary. Having local Haltwhistle know how is a plus. However it's more important to get someone that will do a good and efficient job. If if people you trust instructed your friend and on the whole were happy that should outweigh using an unknown Haltwhistle conveyancing solicitor just because they are Haltwhistle based.

Having checked my lease I have discovered that there are only 72 years left on my flat in Haltwhistle. I need to get lease extension but my freeholder is missing. What should I do?

On the basis that you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for for permission to dispense with the service of the initial notice. This will mean that your lease can be granted an extra 90 years by the magistrate. You will be obliged to prove that you or your lawyers have made all reasonable attempts to locate the landlord. On the whole a specialist should be useful to try and locate and to produce a report to be used as proof that the landlord is indeed missing. It is advisable to get professional help from a conveyancer both on devolving into the landlord’s disappearance and the application to the County Court overseeing Haltwhistle.

Haltwhistle Leasehold Conveyancing - Sample of Queries Prior to buying

If a Haltwhistle lease has no more than 80 years it will impact the value of the property. It is worth checking with your mortgage company that they are willing to go ahead with the loan given the lease term. Leases with less than 80 years remaining means that you will almost definitely have to extend the lease sooner rather than later and you need to have some idea of what this will be. For most Haltwhistlelease extensions you would need to own the premises for a couple of years before you are eligible to extend the lease. The majority of Haltwhistle leasehold flats will be liable to pay a service charge for maintenance of the building levied on behalf of the management company. Where you buy the property you will have to meet this amount, normally periodically during the year. This may differ from a couple of hundred pounds to thousands of pounds for buildings with lifts and large communal areas. In all probability there will be a ground rent for you to pay yearly, normally this is not a large amount, say around £50-£100 but you need to enquire as occasionally it could be many hundreds of pounds. Does the lease contain onerous restrictions?

What type of conveyancing services do Haltwhistle conveyancing organisations undertake?

Most Haltwhistle conveyancing organisations will conduct various assistance to home and land proprietors, vendors, investors, freeholders and tenants which may include:

Domestic sale conveyancing in Haltwhistle or elsewhere in the country Residential purchase conveyancing in Haltwhistle and throughout England and Wales Haltwhistle conveyancing for repossessed property Transfer of property or a share in a property Boundary Problems Covenant and chancel insurance