About to place a bid on a leasehold apartment in Cheetham. The selling agents tell me that it is standard for flats in Cheetham to have less than 75 years left on the lease. I am taking out a loan with Accord Mortgages. Will the property be mortgageable given that the lease has Seventy One years remaining.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 20/10/2025 the requirements read as follows :
I just acquired a flat at auction in Cheetham. Conveyancing is required. What happens now?
Given that you are now exchanged you will need to retain a conveyancing practitioner as a matter of urgency as you now have a tight deadline in which to complete the property. An auction property will ordinarily have a bespoke auction pack. This will likely include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold property the auction papers should provide a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation pertinent to a leasehold property. You must give this to the lawyer instructed by you at the earliest opportunity. You also need to ensure that your finances are in place to complete on the on the contractual date .
I have paid off my mortgage with Kent Reliance. I assume I don't need a Cheetham conveyancer on the Kent Reliance panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Kent Reliance mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kent Reliance mortgage from the register. Kent Reliance, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Kent Reliance has sent the Land Registry the discharge electronically, and
- Kent Reliance has instructed the Land Registry to do so
Completion of my purchase has taken place for my property in Cheetham. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
My relative suggested that where I am buying in Cheetham I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is sometimes included in the estimate for your Cheetham conveyancing searches. It is not a small document of more than thirty pages, listing and detailing significant information about Cheetham around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Cheetham Education with plans and statistics, Local Amenities and other useful information concerning Cheetham.
I am one month into a freehold purchase having been directed to conveyancers by the selling agent to execute conveyancing in Cheetham. We are not happy. Can you help me find new conveyancers?
A solicitor would need to be really bad in order to consider changing them. Has the loan offer been generated? In the event that it has you must make them aware of the new contact details and ensure the offer are re-issued. Your new solicitor ideally should be on the mortgage company approved list to avoid supplemental charges and frustration. So that should be your first question of the new lawyers. The search tool will help you find a bank approved solicitor for your home move in Cheetham
I have recently realised that I have Sixty One years left on my lease in Cheetham. I now want to extend my lease but my landlord is absent. What are my options?
On the basis that you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can submit an application to the County Court for for permission to dispense with the service of the initial notice. This will mean that your lease can be extended by the magistrate. You will be obliged to prove that you or your lawyers have used your best endeavours to find the lessor. On the whole an enquiry agent may be helpful to conduct investigations and prepare a report to be accepted by the court as proof that the landlord is indeed missing. It is advisable to get professional help from a conveyancer both on investigating the landlord’s absence and the vesting order request to the County Court covering Cheetham.
I own a garden flat in Cheetham, conveyancing was carried out half a dozen years ago. Can you give me give me an indication of the likely cost of a lease extension? Corresponding properties in Cheetham with a long lease are worth £165,000. The average or mid-range amount of ground rent is £50 per annum. The lease runs out on 21st October 2102
With only 77 years remaining on your lease the likely cost is going to range between £7,600 and £8,800 as well as costs.
The suggested premium range above a general guide to costs for extending a lease, but we cannot give you the actual costs in the absence of detailed due diligence. You should not use the figures in a Notice of Claim or as an informal offer. There may be other issues that need to be considered and clearly you should be as accurate as possible in your negotiations. Neither should you move forward placing reliance on this information before seeking the advice of a professional.
What is the reason for my solicitor requiring numerous items of identification ahead of starting selling or buying a property in Cheetham?
Cheetham solicitors are duty bound by the Law Society, SRA, the Land Registry and current Money Laundering Regulations to certify that the have checked the identity of their clients. It will also be a requirement of your bank where you are obtaining a mortgage. Furthermore they have to complete various forms, particularly those relating to SDLT and need to have information such as your full names, NI number and DOB.