It is 10 years ago since I purchased my property in Malden. Conveyancing solicitors have just been retained on the sale but I am unable to find the deeds. Is this a major issue?

You need not be too concerned. First the deeds may be with your mortgage company or they could be archived with the lawyers who handled the purchase. Secondly the likelihood is that the title will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers procuring current official copies of the land registers. Nearly all conveyancing in Malden relates to registered property but in the rare situation where your home is unregistered it is more problematic but is not insurmountable.

Just bought a terraced house in Malden , What is the estimated time for the Land Registry to record my ownership? My Malden conveyancing solicitor has been painfully slow, so I want to be sure that my name is registered.

There is nothing unique about conveyancing in Malden registration formalities. As opposed to being determined by geographic area, timescales can differ depending on the party submitting the application, whether it is in order and if the Land registry need to notify any other parties. At present in the region of 80% of submission are fully addressed within two weeks but some can be subject to extensive delays. Historically registration occurs once the buyer has moved in to the property so registration formalities is not usually primary concern but if it is urgent that the the registration takes place urgently then you or your solicitor can communicate with the Registry to express the reasoning for an expedited registration.

I am purchasing a new build house in Malden with a loan from Clydesdale. The builders refused to move on the price so I negotiated 6k of additionals instead. The sale representative advised me not inform my conveyancer about the extras as it would adversely affect my mortgage with the bank. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I have been pointed in your direction by a number of property agents in Malden to choose a property lawyer on your site. What’s the financial advantage for Estate Agents to promote your lawyers ahead of another?

We refuse to make any commission for sending work in our direction. We thought it would be too underhand to pay a commission as members of the public would think, ‘How come the agent getting a kickback? Why aren’t I getting any benefit too?’ So we decided to step away from that.

Planning to sign contracts shortly on a leasehold property in Malden. Conveyancing lawyers inform me that they report fully tomorrow. Are there areas in the report that I should be focusing on?

The report on title for your leasehold conveyancing in Malden should include some of the following:

You should receive a copy of the lease Details of the parties to the lease, for instance these could be the leaseholder, head lessor, landlord You need to be informed what counts as a Nuisance in the lease Does the lease prevent you from renting out the flat, or working from home What you can do if a neighbour breaches a clause of their lease?

I have given up trying to purchase the freehold in Malden. Can the Leasehold Valuation Tribunal adjudicate on premiums?

Most certainly. We can put you in touch with a Malden conveyancing firm who can help.

An example of a Freehold Enfranchisement matter before the tribunal for a Malden flat is 158 West Hill in November 2010. the Tribunal held that the premium to be paid for the freehold reversion should be £99,650 This case affected 7 flats. The number of years remaining on the existing lease(s) was 75.88 years.