It is 10 years ago since I acquired my house in Scotter. Conveyancing lawyers have now been appointed on the sale but I can't locate the deeds. Is this a problem?
Don’t worry too much. Firstly the deeds may be retained by the lender or they may be archived with the lawyers who acted in your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors acquiring up to date copy of the land registers. Nearly all conveyancing in Scotter involves registered property but in the rare situation where your home is unregistered it is more of a problem but is not insurmountable.
I am about to put a bid on a leasehold apartment in Scotter. The selling agents say that it is usual for flats in Scotter to have less than 75 years unexpired on the lease. I am expecting a mortgage with Chelsea Building Society. Will the property be mortgageable given that the lease has 70 years to go.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 24/1/2025 the requirements read as follows :
Just acquired a semi-detached house in Scotter , What is the estimated time for the Land Registry to deal with the formalities evidencing my title? My Scotter conveyancing solicitor works at snail pace, so I want to be certain that my name is registered.
As far as conveyancing in Scotter is concerned, registration is no faster or slower than the rest of the country. Rather than based on location, timeframes can differ according to who lodges the application, whether there are errors and whether the Land registry must send notices to any third persons or bodies. Currently in the region of 80% of submission are fully dealt with within two weeks but some can be subject to protracted delays. Registration occurs once the buyer is living at the premises thus registration formalities is not always primary concern yet if there is a degree of urgency associated with the registration then you or your solicitor should communicate with the Registry to express the reasoning for an expedited registration.
I opted to have a survey done on a house in Scotter prior to instructing lawyers. I have been informed that there is a flying freehold aspect to the property. The surveyor advised that some banks may not grant a loan on a flying freehold home.
It depends who your proposed lender is. Bank of Scotland has different requirements from Nationwide. Should you wish to call us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Scotter. Conveyancing may be slightly more expensive based on your lender's requirements.
Hoping to buy a property located in Scotter and I am already nervous. I couldn't find anything specific about Scotter. Conveyancing will be needed in due course but do you know about the Scotter area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Scotter. In the meantime here are some basic statistics that we found