The Short Answer
Don't panic.
It is quite common for homeowners to misplace documents over the years, particularly if they have lived in the property for a long time.
Whilst missing paperwork can sometimes result in additional enquiries or investigations, it does not necessarily mean your sale cannot proceed.
The most important thing is to let your conveyancer know as soon as possible so that we can discuss the options available.
What Paperwork Might Be Needed?
The documents required will depend on your property and any work that has been carried out during your ownership.
Examples include:
- Planning permissions.
- Building Regulations approvals.
- FENSA certificates.
- Electrical installation certificates.
- Gas Safe certificates.
- New build warranties.
- Guarantees or warranties for works carried out.
- Leasehold documentation.
Not every property will require all of these documents.
What Happens If I Can't Find Them?
The first step is to tell your conveyancer.
In many cases, documents can be obtained from another source, such as:
- The local authority.
- The contractor who carried out the work.
- The installer.
- The warranty provider.
- The managing agent or freeholder.
- HM Land Registry, where appropriate.
If replacement documents cannot be obtained, your conveyancer will advise you on the options available.
Will Missing Paperwork Stop My Sale?
Not necessarily.
The impact will depend on:
- What document is missing.
- Why it is required.
- Whether alternative evidence is available.
- Whether the buyer and, where applicable, their mortgage lender are satisfied with the information provided.
Every situation is different, and your conveyancer will discuss the most appropriate way forward with you.
Can Missing Documents Be Resolved?
Sometimes they can.
Depending on the circumstances, it may be possible to:
- Obtain replacement documents.
- Provide alternative evidence.
- Answer additional enquiries.
- Consider another appropriate solution where suitable.
Your conveyancer will explain the options available based on your individual circumstances.
Should I Tell My Conveyancer Straight Away?
Yes.
The earlier we know that a document is missing, the sooner we can begin looking at the available options.
Waiting until the buyer asks for a document can sometimes cause unnecessary delays.
Top Tip
Before your property goes on the market, spend a little time gathering together any documents you already have.
Even if you're unsure whether something will be needed, it's often helpful to provide it to your conveyancer at the outset.
In Practice...
One of the most common concerns we hear is:
"I know I had that certificate somewhere..."
You're certainly not alone.
Many homeowners have lived in their property for years and no longer have every document relating to works carried out. In many cases, there are practical ways of dealing with missing paperwork, and we'll advise you on the options available based on your particular circumstances.
Common Misconception
"If I've lost a document, my sale can't proceed."
Not necessarily.
Missing paperwork doesn't automatically prevent a sale. The most appropriate solution will depend on the nature of the document, the age of the works, the information available and the buyer's requirements.
Did You Know?
One of the advantages of instructing your conveyancer early is that it gives time to identify any missing paperwork before enquiries are raised. This often makes it easier to obtain replacement documents or consider alternative solutions, helping to keep your transaction moving.