It is is a decade since I purchased my house in Idle. Conveyancing solicitors have now been instructed on the sale but I can't track down my title deeds. Is this a major issue?
You need not be too concerned. First there is a possibility that the deeds will be with your mortgage company or they could be in the possession of the conveyancers who oversaw your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining up to date copy of the land registers. Almost all conveyancing in Idle relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is not insurmountable.
Are there restrictive covenants that are commonly identified as part of conveyancing in Idle?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Idle. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I decided to have a survey done on a property in Idle ahead of appointing conveyancers. I have been informed that there is a flying freehold aspect to the house. The surveyor has said that some lenders may not give a mortgage on a flying freehold premises.
It varies from the lender to lender. Bank of Scotland has different requirements from Halifax. If you call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Idle. Conveyancing may be slightly more expensive based on your lender's requirements.
I am downsizing from my property. My previous lawyers have shut. I am in need of a recommendation of a conveyancing firm. Im based in Idle if that makes things easier.
Do use our search tool to help you choose a solicitor for your conveyancing in Idle. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move runs with a minimum of fuss.
I want to rent out my leasehold flat in Idle. Conveyancing solicitor who did the purchase is retired - so can't ask him. Is permission from the freeholder required?
Notwithstanding that your previous Idle conveyancing lawyer is no longer available you can check your lease to check if you are permitted to let out the property. The rule is that if the deeds are non-specific, subletting is permitted. Quite often there is a prerequisite that you must seek permission from your landlord or other appropriate person in advance of subletting. The net result is that you cannot sublet in the absence of prior consent. Such consent should not be unreasonably withheld. If the lease prohibits you from letting out the property you should ask your landlord if they are willing to waive this restriction.
Leasehold Conveyancing in Idle - Examples of Questions you should ask Prior to buying
On the whole the cost for major works are not included within maintenance charges, although a few managing agents in Idle ask leasehold owners to pay into a sinking fund and this is used to offset against larger repairs or maintenance. Make sure you enquire if there are any onerous restrictions in the lease. For instance some leases prohibit pets being permitted in in a block in Idle. If you love the flatin Idle yet your dog can’t make the move with you then you will be faced hard decision. Its a good idea to find out as much as you can about the managing agents as they will affect your use and enjoyment of the property. As the owner of a leasehold property you are frequently at the mercy of the managing agents from a financial perspective and when it comes to day to day issues such as the cleanliness of the communal areas. Enquire of other people what they think of their management. On a final note, be sure you understand the dates that you are obliged pay the service charge to the relevant party and specifically how they are spending the funds.