It is a dozen years since I purchased my home in Farnham Common. Conveyancing solicitors have now been appointed on the sale but I can't locate the deeds. Is this a problem?

Don’t worry too much. First there is a chance that the deeds will be kept by the mortgage company or they may be in the possession of the solicitor who acted in the purchase. Secondly in most cases the title will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors acquiring up to date copy of the land registers. Most conveyancing in Farnham Common involves registered property but in the unlikely event that your property is not registered it adds to the complexity but is resolvable.

My flat in Farnham Common is up for sale and I have accepted an offer. Does the property lawyer have to be on the Santander conveyancing panel in order to deal with redeeming my mortgage?

Ordinarily, even if your lawyer is not on the Santander conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently at the moment.

I need some expedited conveyancing in Farnham Common as I am under a deadline to complete within one month. A mortgage is not required. Is it possible to avoid the conveyancing searches to save fees and time?

If.Given you are are a mortgage free buyer you are at liberty not to have searches carried out although no conveyancer would suggest that you don't. With plenty of history conveyancing in Farnham Common the following are instances of issues that can show up and therefore impact future saleability: Refused Planning Applications, Outstanding Fees, Outstanding Grants, Unadopted Roads,...

Due to the advice of my in-laws I had a survey completed on a house in Farnham Common before instructing conveyancers. I have been told that there is a flying freehold element to the house. My surveyor has said that some mortgage companies will not give a loan on such a home.

It depends who your proposed lender is. Bank of Scotland has different instructions from Halifax. If you call us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Farnham Common. Conveyancing may be slightly more expensive based on your lender's requirements.

Estate agents have just been given the go-ahead to market my basement apartment in Farnham Common. Conveyancing has not commenced, however I have recently received a half-yearly maintenance charge invoice – Do I pay up?

It best that you clear the service charge as normal given that all ground rent and service invoices should be allotted as part of the financial calculations for completion monies, so you will be reimbursed by the buyer for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

Farnham Common Conveyancing for Leasehold Flats - A selection of Queries Prior to Purchasing

Who are the managing agents? Is the freehold owned collectively by the leaseholders? Where a Farnham Common lease has no more than 80 years it will have adverse implications on the salability of the property. It is worth checking with your bank that they are willing to go ahead with the loan given the lease term. Leases with less than 80 years remaining means that you will probably have to extend the lease at some point and it is worth finding out how much this would cost. For most Farnham Commonlease extensions you would need to own the property for 24 months before you are eligible to carry out a lease extension.