Can you help - my lawyer advises that flying freehold insurance is needed on my purchase. What is the level of cover for Hampton Hill conveyancing?

The appropriate level of flying freehold indemnity insurance depends on your lender. It would differ for example between National Westminster Bank and The Mortgage Works. Conveyancing practitioners as opposed to members of the public take out such insurances.

We had instructed solicitors locally in Hampton Hill on the Co-operative solicitor approved list. They are now charging me a supplemental amount for handling the Co-operative mortgage. Is this an additional conveyancing fee specified by Co-operative?

As unfair as it may seem, as long as it’s in their Terms of Engagement or Quote then yes your conveyancer may charge a fee for this. The charge is not set by Co-operative but by your Hampton Hill conveyancer. Numerous firms on the Co-operative panel will quote ’dealing with mortgage’ fee and others do not.

I have paid off my mortgage with UBS. I assume I don't need a Hampton Hill conveyancer on the UBS panel to remove the mortgage at the Land Registry. Am I right?

If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where UBS has sent the Land Registry the discharge electronically, and
3. UBS has instructed the Land Registry to do so

What can a local search reveal concerning the property we're purchasing in Hampton Hill?

Hampton Hill conveyancing often starts with the ordering local authority searches directly from your local Authority or via a personal search organisations for instance Searchflow The local search plays a central part in most Hampton Hill conveyancing purchase; that is if you don’t want any unpleasant once you have moved into your new home. The search will reveal information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic areas.

I have justfound out that Stirling Law have closed. They conducted my conveyancing in Hampton Hill for a purchase of a freehold house 18 months ago. How can I check that the property is in my name in the name of the previous owner?

The easiest method to check if the property 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 Hampton Hill conveyancing specialists.

Yesterday I discovered that there is a flying freehold element on a house I have offered on two weeks back in what should have been a simple, chain free conveyancing. Hampton Hill is the location of the property. Is there any advice you can impart?

Flying freeholds in Hampton Hill are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Hampton Hill you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hampton Hill 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 premises.

The conveyancers carrying out our conveyancing in Hampton Hill has sent documents to review that reveal that the land is unregistered with epitome documents. Surely all property in Hampton Hill are registered?

Whilst most properties in Hampton Hill are now registered with HM Land Registry there are still some that remain unregistered. Any property in Hampton Hill that has been remortgaged since the late 1980’s will have been registered at the HMLR under the compulsory ‘first registration’ scheme. However, if a Hampton Hill property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Many Hampton Hill conveyancing practitioners will be able to handle such matters but in the event that uncertainty prevails the standard proposition these days is for the seller to address the registration formalities first and then deal with the transfer to the buyer - this this chain of events will cause a significant delay.