It is is a decade since I bought my house in Felixstowe. Conveyancing lawyers have recently been appointed on the sale but I can't track down the title deeds. Is this a major issue?

Don’t worry too much. Firstly the deeds may be kept by your mortgage company or they could still be with the solicitor who handled your purchase. Secondly the chances are that 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. Most conveyancing in Felixstowe relates to registered property but in the unlikely event that your property is unregistered it is more of a problem but is resolvable.

How does conveyancing in Felixstowe differ for new build properties?

Most buyers of new build residence in Felixstowe come to us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is ready to move into. This is because house builders in Felixstowe typically buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Felixstowe or who has acted in the same development.

Due to the advice of my in-laws I had a survey completed on a property in Felixstowe in advance of retaining conveyancers. I have been told that there is a flying freehold element to the house. The surveyor has said that some mortgage companies tend not issue a mortgage on such a premises.

It varies from the lender to lender. Lloyds has different instructions for example to Birmingham Midshires. If you contact us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Felixstowe. Conveyancing may be slightly more expensive based on your lender's requirements.

I need to find a conveyancing solicitor for remortgage conveyancing in Felixstowe. I happened to discover a site which appears to be the ideal offering If there is a chance to get all the legals done via email that would be ideal. Should I be wary? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

I own a leasehold house in Felixstowe. Conveyancing and Yorkshire Building Society mortgage are in place. I have received a letter from someone saying they have taken over the reversionary interest in the property. Attached was a ground rent demand for rent dating back to 1996. The conveyancing practitioner in Felixstowe who acted for me is not around. Do I pay?

First contact HMLR to be sure that this person is in fact the registered owner of the freehold reversion. There is no need to incur the fees of a Felixstowe conveyancing solicitor to do this as you can do this on the Land Registry website for a few pound. Rest assured that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

Leasehold Conveyancing in Felixstowe - Sample of Questions you should consider before buying

Does the lease have onerous restrictions? How is the lease structured? Is anyone aware of any major works in the near future that could increase the service fees?