It is is a decade since I purchased my home in King's Cross. Conveyancing lawyers have recently been retained on the sale but I can't find my title documents. Is this a major issue?
Don’t worry too much. First the deeds may be with your mortgage company or they could be in the possession of the lawyers who oversaw your purchase. Secondly the chances are that the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. The vast majority of conveyancing in King's Cross relates to registered property but in the rare situation where your property is unregistered it is more problematic but is resolvable.
Last month we had a mortgage agreed in principle with Aldermore. King's Cross conveyancing lawyers were instructed. How long does it take for Aldermore to send the offer to the conveyancing practitioner?
Some lenders take longer than others. Have Aldermore completed the survey? Have you informed Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
We were going to get a DIP from Nationwide this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Nationwide recommend any King's Cross solicitors on the Nationwide conveyancing panel, or is it better to go independently?
You will need to appoint King's Cross solicitors independently although you'll need to choose one on the Nationwide conveyancing panel. The solicitor represents both you and Nationwide through the process.
My offer was accepted on an apartment in King's Cross on 7/4/2025, valuation was booked 4 days later, received a clean bill of health. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Lloyds and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Lloyds conveyancing panel. Are Lloyds entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.
I'm buying my first flat in King's Cross with the aid of help to buy. The sellers would not budge the price so I negotiated five thousand pounds worth of extras instead. The house builders rep suggested that I not reveal to my conveyancer about this extras as it could put at risk my mortgage with the bank. Should I keep quiet?.
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've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a simple, chain free conveyancing. King's Cross is where the house is located. Is there any advice you can impart?
Flying freeholds in King's Cross are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in King's Cross you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in King's Cross may decide 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.
How does the Landlord & Tenant Act 1954 affect my commercial offices in King's Cross and how can your lawyers assist?
The 1954 Act affords protection to commercial leaseholders, granting the a statutory right to apply to court for a continuation of occupancy at the end of the lease term. There are limited grounds that a landlord can refrain from granting a lease renewal and the rules are complicated. We are happy to direct you to commercial conveyancing practices who use the act to your advantage and help with commercial conveyancing in King's Cross
My mother and father are unable to locate their King's Cross land registry title on the website. They recall that 48 years ago when they bought the bungalow there were complications regarding King's Cross not being identified on some systems.
The vast majority of premises in King's Cross should show up. Have you tried a search to just the postcode. Normally it will reveal all the properties inside that postcode. Assuming the property is registered it will be there with a title number. Where they bought 50 years ago it's conceivable it may be unregistered. The address may still be revealed but with the title number shown 'na'. In this scenario you will need to find the original title documentation which might be with your parent’s bank.