It is is a decade since I bought my home in Hersham. Conveyancing lawyers have recently been instructed on the sale but I can't find the deeds. Will this cause complications?

You need not be too concerned. First the deeds may be retained by the lender or they could be archived with the conveyancers who oversaw the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors procuring up to date copy of the land registers. The vast majority of conveyancing in Hersham relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.

Do I need to take out insurance to address the risk of chancel repairs when purchasing a property in Hersham?

Unless a previous acquisition of the house took place post 12 October 2013 you could take it that solicitors carrying out conveyancing in Hersham to continue to suggest a chancel search and or chancel repair liability insurance.

I decided to have a survey carried out on a house in Hersham prior to instructing solicitors. I have been advised that there is a flying freehold overhang to the property. The surveyor advised that some mortgage companies tend refuse to issue a loan on a flying freehold house.

It depends who your proposed lender is. HSBC has different requirements from Nationwide. Should you wish to telephone us we can check with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Hersham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Hersham to see if the conveyancing will be more expensive.

I own a garden flat in Hersham, conveyancing was carried out in 1995. Can you work out an approximate cost of a lease extension? Similar flats in Hersham with over 90 years remaining are worth £165,000. The ground rent is £45 invoiced annually. The lease ends on 21st October 50

With only 50 years unexpired we estimate the price of your lease extension to be between £36,100 and £41,800 plus legals.

The figure that we have given is a general guide to costs for renewing a lease, but we are not able to provide the actual costs in the absence of comprehensive investigations. You should not use this information in tribunal or court proceedings. There are no doubt other concerns that need to be considered and clearly you want to be as accurate as possible in your negotiations. Neither should you move forward placing reliance on this information before getting professional advice.

I have been recommended a conveyancing solicitor in Hersham. I I would like to check if they are on the bank's approved list of lawyers. Could you assist?

One option is to call the solicitor to check if they are on the lender's panel. Alternatively please get in touch with us and we can investigate and revert. If they are not on the conveyancing panel we we can help find a quality conveyancing solicitor in Hersham on the panel for your lender.