I am getting a offer of a home loan from Halifax. I intend to retain the legal services of a Licensed Conveyancer in Caversham. Does the Halifax Solicitor panel include conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
My partner and I are refinancing our penthouse in Caversham with Nottingham. We have a son 19 who lives at home. Our solicitor has asked us to disclose any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the flat is repossessed. I have a couple of concerns (1) Is this document specific to the Nottingham conveyancing panel as he never had to sign this form when we bought 4 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Nottingham. This is solely used to protect Nottingham if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Nottingham had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am about to put an offer on a leasehold apartment in Caversham. The selling agents tell me that it is standard for flats in Caversham to have less than 75 years remaining. I am expecting a loan with Bank of Ireland. Is this going to be a problem if the lease has 72 years left.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 9/2/2025 the requirements read as follows :
Forgive me if this question is silly but I am new to the process as FTB of a ground floor flat in Caversham. Do I pick up the keys to the property on the completion date from my conveyancer? If this is the case, I will use a High Street conveyancing solicitor in Caversham?
There is no need to visit the lawyers office on the day of completion. Your solicitors will transfer the completion advance to the vendor’s lawyers, and shortly after the monies have arrived, you will be able to pick up the keys from the property Agents and start moving into the property. Usually this occurs between 1 and 3pm.
Can you point me to a directory of UBS panel conveyancers in Caversham on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such facility on the CML or Building Society Association websites. A small selection of mortgage companies make their panel listings available online. Where you are looking for a Caversham solicitor on the UBS please make the most of our facility.
Intending to buy a apartment in Caversham. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the RBS conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Caversham solicitor is on the RBS conveyancing panel.
How does the Landlord & Tenant Act 1954 affect my commercial offices in Caversham and how can your lawyers assist?
The particular law that you refer to provides protection to commercial tenants, granting the a statutory right to apply to court for a renewal lease and continue in occupation when the lease reaches an end. There are certain specified grounds where a landlord can refuse a lease renewal and the rules are involved. Fees are different for commercial conveyancing. Caversham is one of the hundreds of locations in which our lawyers are based
I am on look out for some leasehold conveyancing in Caversham. Before I set the wheels in motion I would like to find out the unexpired term of the lease.
If the lease is recorded at the land registry - and 99.9% are in Caversham - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Leasehold Conveyancing in Caversham - Sample of Queries before buying
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Are any of leasehold owners in dispute over their service charge liability? Is there a share of the freehold?