Do I need to take out insurance to address the risk of chancel repairs when buying a house in Kingston?

Unless a prior purchase of the property took place after 12 October 2013 you can assume that conveyancing practitioners conducting conveyancing in Kingston to remain encouraging a chancel search and or chancel repair liability policy.

It has been 4 months since my purchase conveyancing in Kingston concluded. I have checked the Land Registry website which shows that I paid £175,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

How easy is it to use the search app to select a conveyancing lawyer in Kingston on the approved list for my mortgage?

First pick a lender such as HSBC Bank, Bank of Scotland or Platform Home Loans Ltd then type in your location for example Kingston. Conveyancing practices in Kingston and nationally should be listed.

In surfing the world wide web for the words conveyancing in Kingston it reveals numerous property lawyersin the area. With so much choice what is the best way to find the right property lawyer for the sale of my house?

The ideal way of finding the right conveyancer is via personal referral, so enquire of colleagues and family who have acquired a property in Kingston or a respected estate agent or mortgage broker. Charges for conveyancing in Kingston differ, so it's sensible to request at least three estimates from different property lawyers. Be sure to obtain confirmation that the fees are fixed.

I today plan to offer on a house that appears to meet my requirements, at a great price which is making it more attractive. I have subsequently discovered that the title is leasehold rather than freehold. I would have thought that there are issues buying a leasehold house in Kingston. Conveyancing lawyers have are soon to be instructed. Will they explain the issues?

The majority of houses in Kingston are freehold and not leasehold. In this scenario it’s worth having a local conveyancer who is familiar with the area who can help the conveyancing process. We note that you are purchasing in Kingston in which case you should be shopping around for a Kingston conveyancing solicitor and check that they are used to dealing with leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a tenant you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as requiring the landlord’sconsent to conduct alterations. It may be necessary to pay a maintenance charge towards the upkeep of the estate where the property is part of an estate. Your lawyer will appraise you on the various issues.

Kingston Leasehold Conveyancing - Examples of Questions you should ask Prior to buying

Are there any major works in the planning that will add a premium to the service costs? What prohibitions are contained in the Kingston Lease? Please note if it is no more than 80 years it will have adverse implications on the marketability of the property. It is worth checking with your mortgage company that they are happy with the length of the lease. Leases with less than 80 years remaining means that you will probably need a lease extension sooner rather than later and it is worth discovering what this would cost. For most Kingstonlease extensions you will be required to have been the owner of the premises for a couple of years in order to be eligible to exercise a lease extension.