It is is a decade since I acquired my property in Brading. Conveyancing solicitors have just been instructed on the sale but I am unable to track down the deeds. Is this a major issue?

Don’t worry too much. First there is a possibility that the deeds will be retained by your mortgage company or they may be in the possession of the solicitor who handled your purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to prove you own the property by your conveyancing solicitors acquiring current official copies of the land registers. Almost all conveyancing in Brading involves registered property but in the unlikely event that your home is not registered it is more of a problem but is not insurmountable.

I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Brading. My lender is Tesco Bank

Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 8/10/2025, the requirements read as follows :

I'm buying a new build house in Brading benefiting from help to buy. The sellers refused to budge the amount so I negotiated 6k of fixtures and fittings instead. The house builders rep suggested that I not to tell my lawyer about the deal as it would affect my mortgage with Barclays . 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.

Yesterday I discovered that there is a flying freehold element on a property I have offered on last month in what was supposed to be a straight forward, no chain conveyancing. Brading is where the house is located. What do you suggest?

Flying freeholds in Brading are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Brading you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Brading may ascertain 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.

Last June I purchased a leasehold house in Brading. Am I liable to pay service charges for periods before my ownership?

In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

I acquired a basement flat in Brading, conveyancing formalities finalised January 2007. How much will my lease extension cost? Comparable properties in Brading with an extended lease are worth £216,000. The ground rent is £50 levied per year. The lease expires on 21st October 2093

You have 68 years left to run the likely cost is going to span between £9,500 and £11,000 plus professional fees.

The suggested premium range above a general guide to costs for extending a lease, but we are not able to provide a more accurate figure in the absence of detailed investigations. You should not use the figures in tribunal or court proceedings. There may be additional concerns that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Neither should you move forward based on this information without first getting professional advice.