My partner and I are purchasing our first house. Our conveyancing practitioner has e-mailedto see if we want to purchase supplemental conveyancing searches. As novices we have no idea as to what's necessary for conveyancing in Isle of Sheppey

The number and type of Isle of Sheppey conveyancing searches depends entirely on the property, the location, the likelihood of any of these risks, your knowledge of the area and risks, your overall appetite to risk. What is important is that you properly comprehend what information each search could supply. Then you can decide if you consider that you need that search. Where you are uncertain, ask the lawyer to recommend.

It is 10 years ago since I purchased my home in Isle of Sheppey. Conveyancing solicitors have now been instructed on the sale but I am unable to find my title deeds. Will this jeopardise the sale?

Don’t worry too much. First the deeds may be kept by your lender or they may be in the possession of the solicitor who handled the purchase. Secondly the likelihood is that the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors acquiring current official copies of the land registers. Almost all conveyancing in Isle of Sheppey involves registered property but in the rare situation where your property is not registered it is more problematic but is resolvable.

I have an AIP. The lender mentioned the mortgage came with free conveyancing. Does this mean I have to instruct their panel conveyancer as I would prefer to use a Isle of Sheppey based conveyancing firm?

You should check but the chances are that give you one of their panel solicitors should you take up the "fee-free" offer. Call the bank and check if they offer you a monetary alternative. In the past a few mortgage companies offered a £250 cashback as a further option in which case you could put that amount towards your preferred conveyancing solicitor in Isle of Sheppey.

Just bought a semi-detached house in Isle of Sheppey , What is the estimated time for the Land Registry to register my ownership? My Isle of Sheppey conveyancing solicitor works at snail pace, so I want to check that my ownership is recorded.

As far as conveyancing in Isle of Sheppey is concerned, registration is no faster or slower than the rest of England and Wales. As opposed to being determined by geographic area, timeframes can adjust according to who lodges the application, whether it is in order and whether the Land registry must send notices to any other persons or bodies. Currently roughly three quarters of submission are fully addressed in less than three weeks but some can be subject to extensive delays. Registration takes place after the purchaser is living at the premises thus registration formalities is not typically an essential issue yet if there is a degree of urgency associated with the registration then you or your conveyancer could communicate with the Registry to express the reasoning for the application to be prioritised.

I wish to rent out my leasehold flat in Isle of Sheppey. Conveyancing solicitor who did the purchase is retired - so can't ask her. Do I need to ask my freeholder for permission?

A lease governs the relationship between the freeholder and you the flat owner; in particular, it will indicate if subletting is prohibited, or permitted but only subject to certain caveats. The accepted inference is that if the lease contains no expres ban or restriction, subletting is permitted. Most leases in Isle of Sheppey do not prevent subletting altogether – such a clause would adversely affect the market value the property. Instead, there is usually a basic requirement that the owner notifies the freeholder, possibly sending a copy of the sublease.

Isle of Sheppey Leasehold Conveyancing - A selection of Queries Prior to buying

Most Isle of Sheppey leasehold flats will incur a service charge for the upkeep of the building levied on behalf of the freeholder. Should you purchase the property you will have to pay this contribution, normally periodically throughout the year. This can be anything from a few hundred pounds to thousands of pounds for buildings with lifts and large communal grounds. In all likelihood there will be a rentcharge to be met yearly, this is usually not a exorbitant amount, say approximately £50-£100 but you need to check as occasionally it could be many hundreds of pounds. Is there a share of the freehold? Can you inform me if there are any major works in the near future that could increase the service fees?