It is a dozen years since I purchased my home in Killay. Conveyancing solicitors have just been appointed on the sale but I am unable to track down the deeds. Is this a problem?
You need not be too concerned. First there is a chance that the deeds will be kept by your lender or they could be archived with the conveyancers who handled the purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors acquiring current official copies of the land registers. Most conveyancing in Killay involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
About to place an offer on a leasehold flat in Killay. The estate agents assure me that it is usual for flats in Killay to have less than 75 years unexpired on the lease. I am getting a mortgage with Virgin. Will the property be mortgageable given that the lease has 70 years left.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 14/11/2025 the requirements read as follows :
My stepmother advised me that in buying a property in Killay there may be various restrictions limiting what one can do in terms of external changes to a property. Is this right?
We are aware of anumerous of properties in Killay which have some sort of restriction or requirement of consent to execute external alterations. Part of the conveyancing in Killay should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have decided to exercise my right to buy my property in Killay off the council. I have a mortgage agreed with Virgin Money. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Virgin Money, you will need to appoint a solicitor on the Virgin Money conveyancing panel.
The formalities of my purchase has taken place for my property in Killay. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Despite weeks of looking the Title Certificate and documents to our property are lost. The solicitors who conducted the conveyancing in Killay 10 years ago are no longer around. What are my options?
Gone are the days when you need to have the physical official documentation to evidence that you are the owner of your registered land or premises, as the Land Registry hold details of all registered land or property electronically.
I own a leasehold house in Killay. Conveyancing and Nottingham Building Society mortgage went though with no issue. I have received a letter from someone claiming to own the freehold. It included a ground rent demand for rent dating back to 1994. The conveyancing practitioner in Killay who acted for me is not around. Do I pay?
The first thing you should do is contact HMLR to make sure that this person is indeed the new freeholder. You do not need to incur the fees of a Killay conveyancing firm to do this as you can do this on the Land Registry website for a few pound. Rest assured that regardless, even if this is the rightful landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
I purchased a split level flat in Killay, conveyancing was carried out in 2003. Can you work out an approximate cost of a lease extension? Equivalent properties in Killay with an extended lease are worth £176,000. The average or mid-range amount of ground rent is £50 per annum. The lease runs out on 21st October 2105
With 80 years unexpired we estimate the price of your lease extension to range between £8,600 and £9,800 as well as professional fees.
The suggested premium range that we have given is a general guide to costs for renewing a lease, but we are not able to supply the actual costs without more comprehensive due diligence. You should not use this information in tribunal or court proceedings. There are no doubt additional issues that need to be taken into account and clearly you should be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information without first seeking the advice of a professional.
At what point do I incur the Stamp Duty Land Tax due for my purchase in Killay?
Your lawyer should fill out a Land Transaction Return Form on your behalf as part of your Killay conveyancing transaction for you to sign. On completion your lawyer will submit the STL application to the Inland Revenue and - as long as they have the money - discharge any land tax payable for you.