It is 10 years ago since I purchased my home in Cheshunt. Conveyancing lawyers have now been appointed on the sale but I can't find the title documents. Will this jeopardise the sale?
You need not be too concerned. First there is a chance that the deeds will be with your mortgage company or they could still be with the lawyers who handled the purchase. Secondly the chances are that the property will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Cheshunt involves registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
I have todayfound out that Stirling Law have closed. They conducted my conveyancing in Cheshunt for a purchase of a leasehold flat 9 months ago. How can I establish that the property is not still registered in the name of the previous owner?
The easiest way to check if the premises is in your name, 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 Cheshunt conveyancing specialists.
Yesterday I discovered that there is a flying freehold element on a property I put an offer in two weeks back in what should have been a simple, no chain conveyancing. Cheshunt is where the house is located. Can you shed any light on this issue?
Flying freeholds in Cheshunt are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Cheshunt 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 Cheshunt may decide 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.