It is 10 years ago since I purchased my property in North Ockendon. Conveyancing lawyers have now been appointed on the sale but I am unable to locate my title documents. Is this a major issue?

Don’t worry too much. First there is a possibility that the deeds will be retained by your mortgage company or they could stored with the solicitor who oversaw your purchase. Secondly in all probability 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 procuring up to date copy of the land registers. Nearly all conveyancing in North Ockendon involves registered property but in the rare situation where your home is not registered it is more tricky but is resolvable.

I am planning to move house in May. Should my conveyancing solicitor liaise with the removal company on the day of completion. Incidentally, can you suggest a removal company in North Ockendon. Conveyancing lawyer was chosen before I stumbled across this page.

On the day of completion you can collect the keys from the property agent but this should only happen after the vendors lawyers confirm to the agent that the monies to complete are in and the keys can be given over. Subsequently you will need to advise the removal men that they can start moving you in. As a matter of policy we do not recommend a specific removal organisation but can assist you in choosing a residential property solicitor in North Ockendon or a firm with expertise in conveyancing in North Ockendon.

We had instructed conveyancers locally in North Ockendon on the Nationwide solicitor panel. They have just invoiced me a separate charge for the legal aspects of the Nationwide mortgage. Is this a supplemental conveyancing fee set by Nationwide?

Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your property lawyer may levy a fee for this. The charge is not set by Nationwide but by your North Ockendon conveyancing practitioner. Some firms on the Nationwide panel will charge ’dealing with mortgage’ fee and others do not.

I had a mortgage agreed in principle with Nottingham. North Ockendon conveyancing solicitors have been appointed. How long does it take for Nottingham to issue the offer to the conveyancing practitioner?

There is no definitive answer here. Have Nottingham conducted the survey? Have you advised Nottingham as to your lawyers' details and checked that your lawyers are on the Nottingham conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

I have todayfound out that Action Conveyancing have closed. They conducted my conveyancing in North Ockendon for a purchase of a leasehold apartment 10 months ago. How can I check that the property is not still registered in the name of the previous owner?

The quickest method to check if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of North Ockendon conveyancing specialists.

Due to the input of my in-laws I had a survey completed on a property in North Ockendon before appointing lawyers. I have been told that there is a flying freehold overhang to the property. My surveyor has said that some lenders may not issue a mortgage on a flying freehold house.

It varies from the lender to lender. HSBC has different requirements for example to Halifax. Should you wish to telephone us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in North Ockendon. Conveyancing may be slightly more expensive based on your lender's requirements.

I today plan to offer on a house that appears to be perfect, at a great price which is making it all the more appealing. I have since discovered that it's a leasehold rather than freehold. I would have thought that there are particular concerns purchasing a house with a leasehold title in North Ockendon. Conveyancing solicitors have are about to be appointed. Will my lawyers set out the risks of buying a leasehold house in North Ockendon ?

The majority of houses in North Ockendon are freehold and not leasehold. This is one of the situations where having a local conveyancer who is familiar with the area who can help the conveyancing process. It is clear that you are buying in North Ockendon in which case you should be looking for a North Ockendon conveyancing practitioner and be sure that they are used to dealing with leasehold houses. As a matter of priority you will need to check the unexpired lease term. As a leaseholder you will not be entirely free to do whatever you want to the property. The lease comes with conditions such as obtaining the landlord’spermission to conduct alterations. You may also be required to pay a contribution towards the maintenance of the estate where the property is part of an estate. Your solicitor will appraise you on the various issues.

I have had difficulty in trying to purchase the freehold in North Ockendon. Can this matter be resolved via the Leasehold Valuation Tribunal?

You certainly can. We can put you in touch with a North Ockendon conveyancing firm who can help.

An example of a Lease Extension decision for a North Ockendon flat is 37 Lodge Court High Street in November 2013. the decision of the LVT was that the premium to be paid for the new lease was £25,559 This case was in relation to 1 flat. The unexpired lease term was 57.5 years.