It is 10 years ago since I purchased my home in Tewkesbury. Conveyancing solicitors have recently been appointed on the sale but I am unable to locate the title documents. Will this cause complications?

You need not be too concerned. First there is a chance that the deeds will be retained by your mortgage company or they may be archived with the conveyancers who oversaw your purchase. Secondly in all probability the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Most conveyancing in Tewkesbury relates to registered property but in the unlikely event that your home is not registered it is more tricky but is not insurmountable.

My house in Tewkesbury is up for sale and I have a purchaser. Will my need to be on the conveyancing panel in order to deal with the discharge of my mortgage?

Ordinarily, even if your lawyer is not on the 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 panel criteria fairly frequently currently.

Me and my brother have a 4 bedroom Edwardian property in Tewkesbury. Conveyancing solicitor represented me and . I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold with the exact same address. Is it worth asking 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Tewkesbury and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the situation with your conveyancing lawyer who conducted the work.

I own a leasehold flat in Tewkesbury, conveyancing having been completed 3 years ago. Can you let me have an estimated range of the fair premium for a lease extension? Similar flats in Tewkesbury with an extended lease are worth £165,000. The ground rent is £45 per annum. The lease finishes on 21st October 50

With just 50 years unexpired the likely cost is going to be between £36,100 and £41,800 plus costs.

The figure that we have given is a general guide to costs for renewing a lease, but we are not able to provide a more accurate figure in the absence of detailed due diligence. Do not use the figures in a Notice of Claim or as an informal offer. There are no doubt other issues that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information without first getting professional advice.

I've found a house that appears to meet my requirements, at a reasonable figure which is making it all the more appealing. I have since discovered that the title is leasehold rather than freehold. I am assuming that there are issues buying a leasehold house in Tewkesbury. Conveyancing lawyers have not yet been instructed. Will my lawyers set out the risks of buying a leasehold house in Tewkesbury ?

Most houses in Tewkesbury are freehold rather than leasehold. This is one of the situations where having a local solicitor used to dealing with such properties who can help the conveyancing process. It is clear that you are purchasing in Tewkesbury so you should seriously consider looking for a Tewkesbury conveyancing solicitor and check that they are used to advising on leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a lessee you will not be at liberty to do whatever you want to the property. The lease will likely included provisions such as requiring the freeholder’sconsent to conduct changes to the property. It may be necessary to pay a service charge towards the upkeep of the communal areas where the property is located on an estate. Your solicitor will report to you on the legal implications.