Ground Rent

[dino]

Hi,
I bought my house 15 years ago and it is a leasehold site. I have never received a bill for ground rent but it has always been on my mind to buy out the ground rent and make it Freehold. I contacted the Housing Department in my local council and they have asked for a copy of the lease. I don't have a copy of this.
Would this be held with the title deeds with my mortgage provider?

 

[elcato]

Contact your solicitor who did the conveyancy for you originally.

 

[dino]

I would but unfortunately they are no longer practicing.

 

[dublin buyer]

this might be useful, have a read https://www.prai.ie/faqs-2/

 

[Leo]

Who owns the leasehold?

 

[dino]

The council owns the leasehold but they told me that they don't have the original lease anymore as they gave them out to the homeowners way back. Seems strange.
Anyway I spoke to another solicitor and they said that a copy of the lease should be with the title deeds with my mortgage provider. So I have requested a copy from my bank. I had to send them a signed letter to request them.

 

[Leo]

Ah, it might vary from LA to LA. When I originally went to purchase mine from Dublin City Council they were looking for the lease/ deeds to betaken up from the bank to complete the purchase. The bank weren't playing ball, so I dropped it, figuring I'd tackle it if I went to remortgage. A few years later they wrote to me saying they had changed the system and no longer required the original lease to complete.