I am acquiring a house without a mortgage in West Croydon. I have resided for the last twelve years in West Croydon. Conveyancing searches are expensive. As I have knowledge of the road and vicinity intimately must I have all the conveyancing searches?

If you not getting a mortgage, then almost all of the West Croydon conveyancing searches are non-obligatory. Your lawyer will ’encourage you, perhaps strongly, that you should have searches carried out, but he is duty bound to take that path of advice. Do take into account; if you are going to dispose of the house at a future date, it will be of importance to your future buyer what the searches reveal. On occasion properties with day to day issues can still show up unexpected search results. A good conveyancing solicitor in West Croydon will be able to give you some constructive advice in this regard.

Is there a search tool that I can utilise to find out if the solicitor conducting my conveyancing in West Croydon is on the mortgage lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for thus spending £175.00 in supplemental conveyancing charges.

Feel free to take advantage of the find a conveyancing panel solicitor tool on this web page. Please choose the lender and type ‘West Croydon’ or your location and you will discover a number of lawyer based in West Croydon or by proximity to you.

Despite weeks of looking the Title Certificate and documents to our property are lost. The conveyancers who handled the conveyancing in West Croydon years ago no longer exist. What are my options?

As long as you have a registered title the details of your ownership will be documented by HMLR under a Title Number. It is easy to carry out a search at the Land Registry, find your property and get current copies of the property title for a small fee. Where the property is Leasehold then the Land Registry will usually retain a file copy of the Registered Lease and again, a copy can be retrieved for £20 inclusive of VAT.

The estate agent has sent us the confirmation of our purchase of a new build flat in West Croydon. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in West Croydon

Forfeiture - bankruptcy or liquidation must not apply under this provision. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Please confirm the Lease plans are architect prepared. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme.

I am looking for a leasehold apartment up to £305k and identified one round the corner in West Croydon I like with amenity areas and station nearby, the downside is that it only has 61 remaining years left on the lease. There is not much else in West Croydon suitable, so just wondered if I would be making a mistake buying a lease with such few years left?

If you require a home loan the remaining unexpired lease term will be an issue. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for a minimum of 2 years you can request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing solicitor about this matter.