It is a dozen years since I bought my property in Baildon. Conveyancing lawyers have just been appointed on the sale but I can't find my title documents. Will this jeopardise the sale?
You need not be too concerned. Firstly the deeds may be kept by the mortgage company or they could still be with the conveyancers who oversaw the purchase. Secondly the likelihood is that the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers acquiring current official copies of the land registers. Nearly all conveyancing in Baildon relates to registered property but in the rare situation where your property is not registered it adds to the complexity but is resolvable.
A friend suggested that if I am purchasing in Baildon I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Baildon conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Baildon around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Baildon Education with maps and statistics, Local Amenities and other useful data regarding Baildon.
Are there restrictive covenants that are commonly identified during conveyancing in Baildon?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Baildon. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Yesterday I discovered that there is a flying freehold issue on a property I have offered on a fortnight ago in what was supposed to be a straight forward, no chain conveyancing. Baildon is the location of the property. Is there any guidance you can impart?
Flying freeholds in Baildon are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Baildon you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Baildon may ascertain 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 property.
Expecting to exchange soon on a garden flat in Baildon. Conveyancing solicitors have said that they report fully next week. What should I be looking out for?
Your report on title for your leasehold conveyancing in Baildon should include some of the following:
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You should receive a copy of the lease What options are available to the landlord where you are in breach of your lease terms? Specifying your legal entitlements in respect of common areas in the building.E.G., does the lease provide for a right of way over a path or staircase? How long the lease is. You should be advised as what happens when the lease ends, and aware of the importance of the 80 year mark
Baildon Conveyancing for Leasehold Flats - A selection of Queries Prior to Purchasing
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The answer will be helpful as a) areas could cause problems for the block as the communal areas may begin to deteriorate where maintenance remain unpaid b) if the tenants have a dispute with the managing agents you will need to know about it Best to be warned if a new roof is being put on or some other major work is due in the near future to be shared by the leaseholders and will dramatically impact the level of the maintenance fees or require a specific invoice. Plenty Baildon leasehold flats will incur a service bill for the upkeep of the block invoiced by the management company. Should you buy the property you will have to meet this liability, usually periodically throughout the year. This may differ from a couple of hundred pounds to thousands of pounds for bigger purpose-built blocks. There will also be a ground rent to be met yearly, this is usually not a significant sum, say around £50-£100 but you need to enquire it because on occasion it can be many hundreds of pounds.
My wife and I accepted an offer on a Baildon apartment left to us some years ago in 2012. I have over a decades worth of conveyancing know-how and, although retired, wish to conduct the conveyancing. The purchaser's conveyancing practitioner has informed me that their building society will not allow you to do your own conveyancing requiring the funds to be sent to a solicitor's bank account.
Lending instructions to property lawyers from all mainstream lenders specify that If the seller is not legally represented the purchaser’s lawyers should check whether the lender needs to be informed so that a decision can be reached as to whether or not they are prepared to move forward.