I purchased a freehold property in Ham but still pay rent, why is this and what is this?

It is rare for properties in Ham and has limited impact for conveyancing in Ham but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for hundreds of years, but the Rent Charge Act 1977 barred the creation of fresh rentcharges post 1977.

Previous rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence in 2037 is to be dispensed with completely.

My conveyancer has informed me that indemnity insurance type insurance required on my purchase. What is the level of cover for Ham conveyancing?

The right level of IT indemnity insurance should be dictated by who your lender. It would differ for example between and . The average level of cover for IT insurance is av value for loc for Ham. Conveyancing solicitors as opposed to members of the public take out such policies.

Despite weeks of looking the Title Certificate and documents to my property are lost. The lawyers who conducted the conveyancing in Ham 10 years ago are no longer around.What are my next steps?

Gone are the days when you need to hold title official documentation to establish that you are the owner of your registered land or premises, as the Land Registry hold details of all registered land or property electronically.