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Absent or unresponsive landlord

Potential forfeiture of lease due to inability to obtain clear ground rent receipts, consent to assignment and/or previous alterations

Absent landlord and good leasehold title

Potential forfeiture of lease due to inability to obtain clear ground rent receipts, consent to assignment and/or previous alterations and good leasehold title combined

Absent landlord and maisonette indemnity

Potential forfeiture of lease due to inability to obtain clear ground rent receipts, consent to assignment plus inability to enforce covenants for maintenance or repair

Vehicular access

Inadequate rights where access is for vehicles and pedestrians

Pedestrian access

Inadequate rights where access is for pedestrian use only

Access and services

Inadequate rights for access and easement for using and gaining access to services used by the property

Vehicular access (no statutory declaration)

Inadequate rights where access is for vehicles and pedestrians and no statutory declaration available

Pedestrian access (no statutory declaration)

Inadequate rights where access is for pedestrian use only and no statutory declaration available

Access and services (no statutory declaration)

Inadequate rights for access and easement for using and gaining access to services used by the property, where no statutory declaration available

Search reveals potential liability - buyer and lender only

Chancel 'screening' search obtained revealing potential liability - buyer and lender only

Search reveals potential liability - owner, successors in title and all lenders

Chancel 'screening' search obtained revealing potential liability - current owner, successors in title and all lenders

No Search - owner, successors in title and all lenders

No chancel search obtained but there may be potential chancel liability - owner, successors in title and all lenders

No Search - lender only

No chancel search obtained but potential chancel liability - lender only

Maisonette/Flat Indemnity

Inadequate provision to maintain and repair the building in accordance with sections 5.13 and 5.14 of the CML Handbook

Contingent buildings insurance

Inadequate provision to insure the building and/or reinstate the property or building

Maisonette/Flat Indemnity and contingent buildings insurance

Inadequate provision to insure, maintain and repair the building and/or reinstate the property or building

Forfeiture of lease (bankruptcy) - lender only

Potential forfeiture in the event of insolvency of the tenant or superior tenant

Forfeiture of superior lease

Potential forfeiture of a superior lease which results in determination of the leasehold chain of title

Deed of Enlargement

Title may be subject to a prior interest where a previous lease was not capable of being enlarged to freehold

Mining/Mineral rights

Title is subject to mining/mineral rights

Obstruction of right of way and/or rights to lay services

Title is subject to obstructed private rights of way and/or rights to lay services

Unknown freehold restrictive covenants, rights and easements

Unknown freehold restrictive covenants, rights and easements

No (or a 'passed') Environmental Search - 10 year cover

Potential risk of contamination under part IIA of the Environmental Protection Act 1990

No (or a 'passed') Environmental Search - 15 year cover

Potential risk of contamination under part IIA of the Environmental Protection Act 1990

Failed Environmental Report - 10 year cover

Potential risk of contamination under part IIA of the Environmental Protection Act 1990

Failed Environmental Report - 15 year cover

Potential risk of contamination under part IIA of the Environmental Protection Act 1990

Contaminated land (retail, offices and non-industrial) - 10 year cover

Potential risk of historical contamination under part IIA of the Environmental Protection Act 1990 for existing retail, office or any other non-industrial commercial premises

Contaminated land (retail, offices and non-industrial) - 15 year cover

Potential risk of historical contamination under part IIA of the Environmental Protection Act 1990 for existing retail, office or any other non-industrial commercial premises

Contaminated land (light industrial) - 10 year cover

Potential risk of historical contamination under part IIA of the Environmental Protection Act 1990 for light-industrial use premises (e.g. used for manufacture of furniture, clothing, food products, hardware, garage/MOT workshops, electrical repairs, builders merchants, brickworks, transport storage/delivery, cleaning services)

Contaminated land (light industrial) - 15 year cover

Potential risk of historical contamination under part IIA of the Environmental Protection Act 1990 for light-industrial use premises (e.g. used for manufacture of furniture, clothing, food products, hardware, garage/MOT workshops, electrical repairs, builders merchants, brickworks, transport storage/delivery, cleaning services)

Flying/creeping freehold - part

Inadequate rights of support, protection, and entry with adjoining dwellings to enable repair

Freehold flat

Inadequate rights of support, protection, and entry with adjoining flats in the block to enable repair

Absent landlord and good leasehold title

Potential forfeiture of lease due to inability to obtain clear ground rent receipts, consent to assignment and/or previous alterations and good leasehold title combined

Good leasehold title

Title is or will be registered with good leasehold title

Transfer of equity - remortgage

Where a transfer is taking place in accordance with the conditions of a mortgage offer, which may be subject to the provisions of the Insolvency Act

New (or existing) Transfer - undervalue/gift

Where a transfer or gift is taking place or has taken place, which may be subject to the provisions of the Insolvency Act

Transfer or gift - matrimonial court order

Where a transfer or gift arising from a matrimonial court order is taking place or has taken place, which may be subject to the provisions of the Insolvency Act

Transfer - gifted deposit

Where provision of some or all of the contracted deposit is by a parent or relative of the purchaser and the Transfer of the property may subsequently be subject to the provisions of the Insolvency Act

Building regulations

Lack of evidence of building regulations consent (including FENSA) for completed works

Planning permission and building regulations (excluding flat conversion)

Lack of evidence for planning, building regulations, FENSA or other certification for completed works

Planning permission, building regulations and restrictive covenants (excluding flat conversion)

Lack of evidence for planning, building regulations, restrictive covenants, FENSA or other certification for completed works

Conservation area and building regulations consent

Lack of evidence for conservation area consent and building regulations for internal completed works

Listed buildings and building regulations consent

Lack of evidence for listed buildings consent and building regulations for internal completed works

NHBC or Architects Certificate - lender only

Lack of evidence of valid NHBC, Zurich 10, Premier Guarantee or other certificate acceptable to a lender

Building regulations and restrictive covenants

Lack of evidence of consent for building regulations, restrictive covenants, FENSA or other certification for completed works

Planning Permission and building regulations (flat conversion)

Lack of evidence for planning, building regulations, FENSA or other certification for flat conversion

Planning permission, building regulations and restrictive covenants (flat conversion)

Lack of evidence for planning, building regulations, restrictive covenants, FENSA or other certification for flat conversion

FENSA and other installation certificates

Lack of evidence of FENSA or other installation certification required under building regulations

Outstanding lease

Title may be subject to an outstanding leasehold interest arising from a missing lease

Lost title deeds - registered possessory title

The title deeds to the property have been lost and title is registered with possessory title

Lost title deeds - unregistered

The title deeds to the property have been lost, destroyed or mislaid

Freehold restrictive covenants

Existing or potential breach of known and/or unknown freehold restrictive covenants

Unknown freehold restrictive covenants, rights and easements

Unknown freehold restrictive covenants, rights and easements

Outstanding charges entry

Title is subject to a C (iv) charges entry which may still be enforceable

Freehold rent charge

Title to the property is subject to an outstanding freehold rent charge

Freehold rent charge and restrictive covenants

Title to the property is subject to an outstanding freehold rent charge along with accompanying restrictive covenants

Lost title deeds - registered possessory title

The title deeds to the property have been lost and title is registered with possessory title

Registered possessory title - part

Title to part of the property is registered with possessory title

Freehold restrictive covenants

Existing or potential breach of known and/or unknown freehold restrictive covenants

Unknown freehold restrictive covenants, rights and easements

Unknown freehold restrictive covenants, rights and easements

Leasehold restrictive covenants

Potential forfeiture of lease due to breach of leasehold restrictive covenants

Planning permission, building regulations and restrictive covenants (excluding flat conversion)

Lack of evidence for planning, building regulations, restrictive covenants, FENSA or other certification for completed works

Building regulations and restrictive covenants

Lack of evidence of consent for building regulations, restrictive covenants, FENSA or other certification for completed works

Planning permission, building regulations and restrictive covenants (flat conversion)

Lack of evidence for planning, building regulations, restrictive covenants, FENSA or other certification for flat conversion

No deed of postponement - lender only

No deed of postponement obtained for the local authority's legal charge made under the ‘Right-to-Buy’ legislation

HIP search (Official and Personal search)

The searches (official or personal) included in a HIP may be out-of-date and/or may not reveal adverse entries otherwise existing

No search - purchase

No searches will be obtained

No search - lender

A mortgage without searches

Search delay (Official and Personal search)

The results of a search, whether official or personal, have not been received

Search validation (Official search only)

An existing official search previously obtained is out-of-date

Services - inadequate easement (excluding septic tanks)

Inadequate easement for using the services and/or access for maintenance

Services - inadequate easement (septic tanks)

Inadequate easement for using a septic tank and/or access for maintenance

Access and services

Inadequate rights for access and easement for using and gaining access to services used by the property

Public sewer

The property (or part) has been built over a public sewer without a build-over agreement

Private drain - within boundary

The property (or part) has been built over a private drain which may affect third party access for repair

Private drain - outside boundary

Potential action by the local authority under the Building Act to recover costs for repair of a private drain passing through land outside the property boundary

Access and services (no statutory declaration)

Inadequate rights for access and easement for using and gaining access to services used by the property, where no statutory declaration available

Title Protection for Homebuyers

Title problems, such as fraud, boundary disputes or other title defects not identified prior to purchase which affect ownership of the property after purchase