It's a question we hear regularly:
"I've lost the paperwork... is that going to stop my sale?"
Whether it's a missing FENSA certificate, a boiler guarantee, Building Regulations approval or another important document, it's understandable to worry that your sale might be delayed.
The good news is that missing paperwork doesn't automatically mean your sale can't proceed.
In many cases, there are practical ways of dealing with the issue, and your conveyancer will discuss the available options with you.
The Short Answer
If you've lost paperwork relating to your property, don't panic.
Tell your conveyancer as soon as possible.
Depending on what's missing, the document may be available from another source, an alternative document may be acceptable, or another solution may be available to allow the transaction to continue.
The Explanation
Many homeowners assume they still have every document they received when they bought their property or carried out improvements.
In reality, people move house, change computers, replace filing systems and occasionally misplace paperwork.
Some of the documents commonly requested during a sale include:
- FENSA certificates.
- Building Regulations approvals.
- Planning permission.
- Boiler installation certificates.
- Electrical Installation Certificates.
- Gas Safe certificates.
- Damp proofing or timber treatment guarantees.
- NHBC or new build warranties.
- Other guarantees or warranties.
Losing one of these documents doesn't necessarily prevent you from selling your home.
Sometimes the information can be obtained from the original installer or issuing organisation. In other cases, the buyer may accept alternative evidence or another solution may be available.
Every situation is different, which is why it's important to tell your conveyancer as soon as you become aware that something is missing.
Common Questions
Will my sale fall through if I've lost a certificate?
Not necessarily.
Many missing documents can be replaced or alternative solutions may be available, depending on the circumstances.
Can I get another copy?
Sometimes.
Many installers, manufacturers and organisations keep records and may be able to provide replacement certificates or confirmation of work carried out.
Should I tell my conveyancer straight away?
Yes.
The earlier we know something is missing, the sooner we can discuss the options and, where possible, avoid unnecessary delays later in the transaction.
What if the paperwork never existed?
Tell your conveyancer.
Depending on the circumstances, there may still be ways of progressing the transaction, although this will depend on the nature of the missing document and the buyer's requirements.
Top Tip
If you know you've carried out work to your property, spend a little time looking for any paperwork before the sale begins.
Even if you can't find everything, knowing what's available from the outset can help your conveyancer prepare for any questions that may arise.
Did You Know?
Some documents can still be obtained many years after the work was carried out, particularly where installers or local authorities retain records.
Common Misconception
"If I can't find the paperwork, I can't sell my house."
That's rarely the case.
Missing paperwork is a common issue in conveyancing, and whilst it may need to be addressed, it doesn't automatically prevent a sale from proceeding.
The MA Lawyers Approach
At MA Lawyers, we know that very few homeowners have kept every piece of paperwork relating to their property.
If something is missing, we'll explain why it's being requested, discuss whether it can be obtained from another source and advise you on the options available.
Every situation is different, and our role is to help find a practical solution wherever possible so your transaction can continue progressing.
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