It is a dozen years since I acquired my property in Sunbury On Thames. Conveyancing solicitors have now been retained on the sale but I am unable to track down the title documents. Is this a major issue?

You need not be too concerned. First there is a possibility that the deeds will be retained by your lender or they may be in the possession of the lawyers who acted in the purchase. Secondly in all probability the property will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Sunbury On Thames relates to registered property but in the rare situation where your property is not registered it adds to the complexity but is not insurmountable.

My wife and I own a renovated Edwardian property in Sunbury On Thames. Conveyancing practitioner acted for me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?

You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Sunbury On Thames and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the situation with your conveyancing solicitor who conducted the work.

I'm purchasing my first flat in Sunbury On Thames with the aid of help to buy. The developers refused to reduce the amount so I negotiated 6k of additionals instead. The property agent advised me not inform my lawyer about this deal as it could affect my mortgage with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am looking for a ground for flat up to £195,000 and found one close by in Sunbury On Thames I like with amenity areas and station in the vicinity, however it only has 61 remaining years left on the lease. I can't really find anything else in Sunbury On Thames in this price bracket, so just wondered if I would be making a grave error acquiring a lease with such few years left?

If you require a home loan the shortness of the lease will likely be a potential deal breaker. Discount the price by the amount the lease extension will cost if it has not already been discounted. If the existing proprietor has owned the property for at least twenty four months you could request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease with a zero ground rent applied. You should consult your conveyancing solicitor concerning this matter.

I note that you have a search directory identifying solicitors on the mortgage company conveyancing panel. Do Sunbury On Thames conveyancing companies pay you a commission if I instruct them for my own conveyancing?

We are a listing service only for law firms wishing to communicate if they are on the lender conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint for your conveyancing in Sunbury On Thames.