It is 10 years ago since I purchased my property in Stamford Bridge. Conveyancing solicitors have now been appointed on the sale but I can't find my title documents. Will this cause complications?

You need not be too concerned. First there is a chance that the deeds will be with your lender or they could stored with the conveyancers who acted in the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Nearly all conveyancing in Stamford Bridge involves registered property but in the unlikely event that your property is unregistered it is more problematic but is resolvable.

Will our conveyancer be raising enquiries regarding flooding during the conveyancing in Stamford Bridge.

The risk of flooding is if increasing concern for conveyancers dealing with homes in Stamford Bridge. Some people will acquire a house in Stamford Bridge, completely aware that at some time, it may suffer from flooding. However, leaving to one side the physical destruction, if a house is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory building insurance, or sell the premises. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.

Conveyancers are not qualified to impart advice on flood risk, however there are a various checks that may be initiated by the purchaser or on a buyer’s behalf which should figure out the risks in Stamford Bridge. The standard completed inquiry forms given to a buyer’s conveyancer (where the Conveyancing Protocol is adopted) incorporates a standard question of the seller to find out whether the property has suffered from flooding. If flooding has previously occurred and is not disclosed by the vendor, then a purchaser could issue a claim for damages resulting from an incorrect answer. The purchaser’s solicitors will also carry out an enviro search. This will higlight if there is a recorded flood risk. If so, more detailed investigations should be carried out.

It has been four months since my purchase conveyancing in Stamford Bridge took place. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

Are there any apps to assist me to locate a Stamford Bridge solicitor on the Coventry Building Society conveyancing panel? I am a keen cyclist and am willing to travel upto 20miles to meet the lawyer.

You can use the facility on this website. Please pick a bank and your location and you will see a number of Stamford Bridge conveyancing lawyers based on proximity. We have listed some Stamford Bridge conveyancing firms towards the end of this page and you can telephone them to verify whether they are on the Coventry Building Society approved list

I only have 72 years remaining on my lease in Stamford Bridge. I now wish to get lease extension but my freeholder is missing. What are my options?

If you qualify, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be granted an extra 90 years by the magistrate. However, you will be required to prove that you or your lawyers have made all reasonable attempts to track down the freeholder. For most situations a specialist should be useful to conduct investigations and prepare a report which can be used as proof that the freeholder is indeed missing. It is wise to seek advice from a property lawyer in relation to proving the landlord’s disappearance and the vesting order request to the County Court covering Stamford Bridge.

Stamford Bridge Conveyancing for Leasehold Flats - Sample of Queries Prior to buying

The prefered form of lease structure is where the freehold title is in the ownership of the leaseholders. In this situation the leaseholders benefit from control and although a managing agent is usually retained if the building is larger than a house conversion, the managing agent is directed by the tenants. How much is the ground rent and service charge? Generally speaking the outlay for major works tend not to be included within maintenance charges, although a few managing agents in Stamford Bridge require leasehold owners to contribute towards a sinking fund and this is used to offset against larger repairs or maintenance.