Our lawyer has identified a a legal deficiency with the lease for the property we are buying in Chorleywood. The other side have suggested defective title insurance as a workaround. We are happy with insurance and will pay for it. Our conveyancing practitioner says that he must be satisfied that the mortgage company is willing to move forward with this solution. Are we the client or is the bank?

Regardless of the fact that you have a mortgage offer from the lender does not mean to say that the property will meet their specifications for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook conditions. You and the mortgage company are the client. The appropriate lender requirements must be adhered to.

It is is a decade since I acquired my house in Chorleywood. Conveyancing solicitors have now been instructed on the sale but I am unable to locate the title documents. Is this a major issue?

Don’t worry too much. First the deeds may be retained by the lender or they could be in the possession of the solicitor who acted in the 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 lawyers acquiring up to date copy of the land registers. Most conveyancing in Chorleywood involves registered property but in the unlikely event that your property is not registered it is more of a problem but is not insurmountable.

I know that there are debates on Chancel Insurance on online forums. Am I compelled to have this when acquiring a property in Chorleywood? or Apparently there is a law dating back centuries that means some homeowners residing in a parish church boundary may be liable to contribute towards repairs to the chancel in proximity to the church. Is this applicable for conveyancing in Chorleywood?

Unless a previous purchase of the property completed after 12 October 2013 you can expect solicitors handling conveyancing in Chorleywood to continue to suggest a chancel search and or chancel repair liability policy.

I need to appoint a conveyancing solicitor for purchase conveyancing in Chorleywood. I have stumble upon a web site which looks to be the perfect answer If it is possible to get all formalities completed via email that would be preferable. Do I need to 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?

Back In 2004, I bought a leasehold flat in Chorleywood. Conveyancing and Virgin Money mortgage went though with no issue. A letter has just been received from someone claiming to own the freehold. It included a demand for arrears of ground rent dating back to 1994. The conveyancing practitioner in Chorleywood who previously acted has long since retired. Any advice?

First make enquiries of the Land Registry to be sure that the individual claiming to own the freehold is indeed the new freeholder. It is not necessary to incur the fees of a Chorleywood conveyancing practitioner to do this as you can do this on the Land Registry website for less than a fiver. Rest assured that regardless, even if this is the legitimate freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.

After months of correspondence we cannot agree with our landlord on how much the lease extension should cost for our flat in Chorleywood. Can we issue an application to the Residential Property Tribunal Service?

Absolutely. We are happy to put you in touch with a Chorleywood conveyancing firm who can help.

An example of a Lease Extension case for a Chorleywood residence is Flats 8, 11 and 15 Craigmore Court 46 Murray Road in December 2013. The tribunal held that the price payable by the Applicant tenant of Flat 8 to acquire an extended lease shall be £26,438 plus £1 to the intermediate lessee . The tribunal held that the price payable by the Applicant tenants of Flat 11 to acquire an extended lease shall be £26,791 plus £1 to the intermediate lessee. The tribunal held that the price payable by the Applicant tenant of Flat 15 to acquire an extended lease shall be £26,638 plus £1 to the intermediate lessee . This case related to 3 flats. The unexpired term as at the valuation date was 71 years.