Do I need to attend the offices of the solicitor to sign the mortgage deed? If so, I will instruct a firm who offer conveyancing in Chislehurst so that I can pop in to their offices when needed.

Whereas this was necessary 12 years ago, most mortgage companies no longer oblige their conveyancing panel solicitor to witness the borrowers signature. It will still be necessary for you to provide ID documents and there are still distinct advantages to using a locally based ayer, in your situation a conveyancing solicitor in Chislehurst.

The deeds to my home are lost. The conveyancers who conducted the conveyancing in Chislehurst 5 years ago are no longer around. Will I be able to sell the house?

You no longer need to hold title deeds to prove you are the registered proprietor of land or property, given that the Land Registry have everything they need in a digital format.

I've recently found out that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a straight forward, no chain conveyancing. Chislehurst is the location of the property. Can you offer any guidance?

Flying freeholds in Chislehurst 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 Chislehurst you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chislehurst 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.

My husband and I are four weeks into a freehold purchase having been referred to solicitors by the selling agent to execute conveyancing in Chislehurst. I am not happy. Could you help me find new lawyers?

A conveyancer would have to be really poor in order to consider replacing them. Has your mortgage offer been issued? In the event that it has you need to inform them of the new contact details and get the mortgage documents are issued to the new lawyers. Your conveyancer needs to be on the banks panel to avoid added fees and frustration. That should be your starting point. Our find a solicitor tool will assist you in finding a lender approved conveyancer for your home move in Chislehurst

We own a leasehold flat in Chislehurst. Conveyancing was finalised in 2010. I have read on numerous advice forums that I should not allow the the remaining lease term to fall too low. Why is that a problem?

Chislehurst residential long term leases are for a fixed period - normally 99 years when they started. However a significant flats in Chislehurst were built or converted 20 or more years ago and so these leases now have fewer than 80 years left to run. This may seem like a long time however Banks, Building Societies and other mortgage companies on the whole require leases to have at least 75 years remaining to be mortgageable. Accordingly when you come to sell the property you will need a lease extension if you are nearing 75 years. To enhance your property value you should be considering whether or not to extend your lease well in advance of selling the property. Furthermore significant benefits to taking action before the lease reaches even eighty years as when the lease is less than 80 years the amount you have to pay to extend starts to escalate.