It is a dozen years since I purchased my home in Kineton. Conveyancing lawyers have now been instructed on the sale but I can't track down the title deeds. Will this cause complications?

You need not be too concerned. First there is a chance that the deeds will be kept by your lender or they may stored with the conveyancers who handled the purchase. Secondly the likelihood is that the title will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors obtaining up to date copy of the land registers. Almost all conveyancing in Kineton relates to registered property but in the rare situation where your home is unregistered it adds to the complexity but is not insurmountable.

I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a quick, no chain conveyancing. Kineton is where the house is located. Can you shed any light on this issue?

Flying freeholds in Kineton are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Kineton you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Kineton may ascertain 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'm refinancing my current house to a buy to let mortgage with Barnsley Building Society and I will use the rest of the raised equity as a down payment on a second property. The location we are interested in is Kineton. Will your lawyers be able to act for the two banks and tie in the transactions?

Do use our search tool on this site to check that the conveyancers are approved by both mortgage companies. Assuming that they are the conveyancer will be able to simultaneously deal with the two conveyancing matters but you should talk with you solicitor and make apparent your desired outcome and needs.

In relation to leasehold conveyancing in Kineton what are the most frequent lease defects?

Leasehold conveyancing in Kineton is not unique. Most leases are individual and drafting errors can result in certain provisions are not included. The following missing provisions could result in a defective lease:

Repairing obligations to or maintain elements of the building Maintenance charge proportions which don’t add up to the correct percentage

You may have difficulties when selling your property if you have a defective lease as they can affect a potential buyer’s ability to obtain a mortgage. HSBC Bank, The Mortgage Works, and Bank of Ireland all have express conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is problematic they may refuse to provide security, forcing the buyer to pull out.

I inherited a 1st floor flat in Kineton, conveyancing was carried out in 2001. Can you shed any light on how much the price could be for a 90 year extension to my lease? Equivalent flats in Kineton with an extended lease are worth £202,000. The ground rent is £55 invoiced annually. The lease comes to an end on 21st October 2080

You have 56 years left to run the likely cost is going to range between £29,500 and £34,000 as well as professional fees.

The suggested premium range above a general guide to costs for extending a lease, but we are not able to provide a more accurate figure without more detailed investigations. Do not use the figures in a Notice of Claim or as an informal offer. There are no doubt additional concerns that need to be considered and you obviously want to be as accurate as possible in your negotiations. Please do not take any other action based on this information before getting professional advice.

We are seeking to buy a repression property in Kineton and the mortgagee in possession would like to complete within a month. Do property lawyers complete in this timeframe? Would it be better to instruct a high street Kineton firm or an online organisation that professes to offer speedy conveyancing?

Attend your Kineton high street. Pop in to 3 firms and ask to talk to a conveyancing solicitor for a quote. Set out your requirements and get assurances on speed. Choose the one that comes across as most genuine. Make sure to select a property lawyer on the panel of property lawyers approved by your lender.