It is is a decade since I bought my house in Ashington. Conveyancing solicitors have recently been retained on the sale but I can't locate the title documents. Is this a problem?
Don’t worry too much. First there is a possibility that the deeds will be kept by your mortgage company or they may be in the possession of the solicitor who handled your purchase. Secondly the likelihood is that the property will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring current official copies of the land registers. Almost all conveyancing in Ashington relates to registered property but in the unlikely event that your property is unregistered it adds to the complexity but is not insurmountable.
I have recentlydiscovered that Stirling Law have closed. They carried out my conveyancing in Ashington for a purchase of a leasehold apartment 18 months ago. How can I be sure that the property is not still registered in the name of the previous owner?
The quickest method to see 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 Ashington conveyancing specialists.
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a straight forward, chain free conveyancing. Ashington is where the house is located. What do you suggest?
Flying freeholds in Ashington are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Ashington you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ashington may determine 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 residence.