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Recently asked questions about conveyancing in Sawston

It is 10 years ago since I acquired my property in Sawston. Conveyancing solicitors have now been appointed on the sale but I can't find the title documents. Is this a problem?

You need not be too concerned. First there is a chance that the deeds will be with your mortgage company or they may be in the possession of the solicitor who handled your purchase. Secondly in most cases the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Most conveyancing in Sawston relates to registered property but in the rare situation where your property is unregistered it is more problematic but is resolvable.

I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Sawston. My lender is Tesco Bank

Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 4/1/2022, the requirements read as follows :

Me and my brother own a semi-detached Victorian property in Sawston. Conveyancing practitioner acted for me and TSB. I did a free Land Registry search last week and there are two entries: the first freehold, another for leasehold with the exact same address. Is it worth asking TSB to clarify?

You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Sawston and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with your conveyancing solicitor who conducted the work.

I've recently found out that there is a flying freehold issue on a property I have offered on a fortnight ago in what should have been a quick, chain free conveyancing. Sawston is where the house is located. Can you offer any assistance?

Flying freeholds in Sawston are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Sawston you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Sawston may determine 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 residence.

In what way can the Landlord & Tenant Act 1954 affect my commercial premises in Sawston and how can you help?

The particular law that you refer to affords a safeguard to business leaseholders, granting the dueness to make a request to court for a new lease and remain in occupation when the lease reaches an end. There are certain specified grounds where a landlord can refuse a lease renewal and the rules are involved. Fees are different for commercial conveyancing. Sawston is one of our hundreds of locations in which our lawyers have offices

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Find out more about how flying freehold can affect your the value of a property.