Absent Landlord (Flat/Maisonette)
Where the landlord cannot be identified
Absent Landlord (House)
Where the landlord cannot be identified
Adverse Possession
Where paper title cannot be evidenced
Breach of Freehold Restrictive Covenant
Where covenants are breached which restrict the use or type of building
Breach of Restrictive Covenant in a Lease (Flat/Maisonette)
Where covenants are breached which restrict the use or type of building
Breach of Restrictive Covenant in a Lease (House)
Where covenants are breached which restrict the use or type of building
Building Over A Sewer (Lender Only)
Where there is a building over a public sewer
Chancel Repair (Non-Successor)
Where the property is located within a potentially liable parish for Chancel Repair payments
Chancel Repair (Successor)
Where the property is located within a potentially liable parish for Chancel Repair payments
Defective Lease
Where the lease contains inadequate provisions as to repair/maintenance of the building of which the property forms a part or where the lease is otherwise defective
Defective Lease (Forfeiture of Headlease) (Lender Only)
Where the lessor of a superior lease exercises or attempts to exercise a legal right of re-entry and/or to enforce terms and/or covenants contained in the superior lease
Defective Lease (Forfeiture on Bankruptcy) (Lender Only)
There is provision for the landlord to forfeit the lease upon the tenant's bankruptcy
Exercise of Reserved Rights to Mine
Where the property is subject to a reserved right to mine
Flying/Creeping Freehold
Where part of the residential property extends above or below another property
Forced Removal/Obstruction of a Right of Way
Where there is a building over an existing Right of Way
Freehold Flat
Where the title to the flat contains inadequate provisions as to the repair and maintenance of the building of which the property forms part
Good Leasehold
Where the freehold title has not been proved to Land Registry and someone else challenges the validity of the lease
Good Leasehold/Absentee Landlord
Where the freehold title has not been proved to Land Registry and someone else challenges the validity of the lease. Where the landlord cannot be identified
Insolvency - Deed of Gift/Undervalue Transaction (Lender Only)
Where there has been a transfer of the land by a deed of gift or at an undervalue
Insolvency - Purchase at Full Market Value
Where there has been a transfer of land by a previous owner at less than market value
Lack of Building Regulations/FENSA Certificate
Alterations or additions or replacement windows were made without formal building regulations approval/receipt of FENSA Certificate (if applicable)
Lack of Building Regulations/Planning Permission/FENSA Certificate
Building Regs/FENSA Certificate - Alterations or additions or replacement windows were made without formal building regulations approval/planning application/receipt of FENSA Certificate (if applicable)
Lack of Drainage / Service Media / Water Supply
Where there are no or inadequate legal rights of drainage/service media/water supply to the residential property
Lack of Easement - Pedestrian Access
Where there are no or inadequate legal rights of pedestrian access to the property
Lack of Easement - Vehicular Access
Where there are no or inadequate legal rights of vehicular access to the property
Lack of Planning Permission
Alterations/additions to the residential property were made without formal planning permission
Listed Building Consent (Lender-only cover)
Alterations or additions to the residential property were made without formal listed buildings consent
Local Authority Search - No Search for Purchase Transactions
Where no formal search of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M have been applied for
Local Authority Search - No Search for Remortgage Transactions
Where no formal search of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M have been applied for
Local Authority Search - Search Delay for Purchase Transactions
Where formal searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M have been applied for but there is a delay in receiving these back
Local Authority Search - Search Delay for Remortgage Transactions
Where formal searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M have been applied for but there is a delay in receiving these back
Local Authority Search - Search Validation for Purchase Transactions
Where existing searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M are more than three months old
Local Authority Search - Search Validation for Remortgage Transactions
Where existing searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M are more than three months old
Maisonette Indemnity
Where the lease contains inadequate provisions as to repair/maintenance of the building of which the property forms a part or where the lease is otherwise defective, or where the landlord cannot be identified.
Missing Deed refers to easements, rights or other provisions which are unknown
Where there is reference to a deed containing easements, rights or other provisions which are unknown
Missing Lease refers to easements, rights or other provisions, which are unknown
Where there is reference to a lease containing easements, rights or other provisions which are unknown
Outstanding Charges entry (C iv)
Where there is an outstanding Land Charges Entry C iv registered against the property
Possessory Title
Where the property has been registered at the Land Registry with possessory title
Rent Charge
Where the title makes reference to an annual/periodic sum due to a third party
Title Subject to a Lease (referred to in the Charges Register)
Where the title makes reference to a lease but the contents are unknown
Title Subject to a Leasehold Enlargement Qualification
Where the owner of a reversionary interest attempts to take back the land
Title Subject To Rights or Reservations
Where the title is subject to third party rights
Unknown Freehold Restrictive Covenants referred to in the Title or in a Deed which is missing
Where a deed or the registered title makes reference to restrictive covenants but the contents are unknown
Commercial Continued Use
Adverse Possession
Where paper title cannot be evidenced
Flying/Creeping Freehold
Where part of the commercial property extends above or below another property
Lack of Easement - Pedestrian Access
Where there are no or inadequate legal rights of pedestrian access to the property
Lack of Easement - Services/Drainage
Where there are no or inadequate legal rights of drainage/service media/water supply to the property
Lack of Easement - Vehicular Access
Where there are no or inadequate legal rights of pedestrian or vehicular access to the property
Local Authority Search - Search Validation for Purchase Transactions
Where an existing local authority search is more than three months old
Restrictive Covenant - Existing Breach of Known Freehold Restrictive Covenant
Where covenants are breached which restrict the use or type of building
Restrictive Covenant - Unknown Freehold Restrictive Covenant
Where a deed or the registered title makes reference to restrictive covenants but the contents are unknown
Title Registered at Land Registry with Good Leasehold
Where the freehold title has not been proved to Land Registry and someone else challenges the validity of the lease
Title Registered at Land Registry with Possessory Title
Where Land Registry have given a possessory title and no state indemnity is provided
Title subject to rights of Way/rights of service media/rights of drainage in a Deed/Conveyance/Transfer
Where the title is subject to third party rights of way
Title subject to unknown Exceptions and Reservations
Where the title is subject to unknown third party rights or reservations
Commercial Development or Change Of Use
Lack of Easement - Pedestrian Access
Where there are no or inadequate legal rights of pedestrian access to the property
Lack of Easement - Services/Drainage
Where there are no or inadequate legal rights of drainage/service media/water supply to the property
Lack of Easement - Vehicular Access
Where there are no or inadequate legal rights of pedestrian or vehicular access to the property
Restrictive Covenant - Future Breach of Known Freehold Restrictive Covenant
Where covenants are breached which restrict the use or type of building
Restrictive Covenant - Future Breach of Unknown Freehold Restrictive Covenant
Where a deed or the registered title makes reference to restrictive covenants but the contents are unknown
Title Registered at Land Registry with Good Leasehold
Where the freehold title has not been proved to Land Registry and someone else challenges the validity of the lease
Title Registered at Land Registry with Possessory Title
Where Land registry have given a possessory title and no state indemnity is provided
Title subject to Rights of Way in a Deed/Conveyance/Transfer
Where the title is subject to third party rights of way
Commercial Chancel Repair Continued Use, Development or Change Of Use
Where the property is located within a potentially liable parish for Chancel Repair payments
