About to place a bid on a leasehold flat in Cleethorpes. The estate agents advise that it is normal for flats in Cleethorpes to have less than 75 years unexpired on the lease. I am expecting a mortgage with Tesco Bank. Is this going to be a problem if the lease has 72 years remaining.
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. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 11/8/2025 the requirements read as follows :
When it comes to mortgage companies such as HSBC, do Cleethorpes conveyancers have to pay an annual charge to be on the conveyancing panel?
We are unaware of any mortgage company fees to be on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
I have decided to exercise my right to buy my property in Cleethorpes off the council. I have a mortgage agreed with Nottingham. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Nottingham, you will need to appoint a solicitor on the Nottingham conveyancing panel.
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called into my local Cleethorpes building society branch on various occasions and was advised it wasn't a problem and they will lend. My Cleethorpes conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they refuse to lend in accordance with their published requirements. I have no idea who is right.
Your lawyer must comply with the Council of Mortgage Lenders’ Handbook Part 2 requirements for your lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I appreciate that there are debates on Chancel Insurance on online forums. Do I need this when acquiring a house in Cleethorpes? or Apparently there is a law dating back centuries that could mean that homeowners residing in a parish church boundary may be liable to contribute towards maintenance to the chancel in proximity to the church. Is this applicable for conveyancing in Cleethorpes?
Unless a prior purchase of the house completed after 12 October 2013 you can expect lawyers handling conveyancing in Cleethorpes to continue to advocate a chancel search and or insurance against a claim.
I used Stirling Law a few years ago for my conveyancing in Cleethorpes. Now, I need the documents but the law firm is no longer operating. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Cleethorpes of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am hoping to put an offer on a small detached house that appears to meet my requirements, at a reasonable figure which is making it all the more appealing. I have subsequently found out that the title is leasehold rather than freehold. I am assuming that there are particular concerns buying a house with a leasehold title in Cleethorpes. Conveyancing solicitors have are about to be instructed. Will my lawyers set out the risks of buying a leasehold house in Cleethorpes ?
The majority of houses in Cleethorpes are freehold and not leasehold. This is one of the situations where having a local conveyancer used to dealing with such properties who can help the conveyancing process. We note that you are purchasing in Cleethorpes in which case you should be shopping around for a Cleethorpes conveyancing solicitor and check that they have experience in dealing with leasehold houses. First you will need to check the number of years remaining. Being a leaseholder you will not be at liberty to do whatever you want with the house. The lease will likely included provisions for example requiring the freeholder’spermission to conduct alterations. It may be necessary to pay a contribution towards the upkeep of the estate where the property is part of an estate. Your conveyancer should appraise you on the various issues.
I acquired a basement flat in Cleethorpes, conveyancing having been completed 5 years ago. Can you work out an approximate cost of a lease extension? Comparable properties in Cleethorpes with an extended lease are worth £190,000. The ground rent is £65 invoiced every year. The lease finishes on 21st October 2086
With just 61 years remaining on your lease we estimate the premium for your lease extension to range between £19,000 and £22,000 as well as plus your own and the landlord's "reasonable" professional fees.
The suggested premium range that we have given is a general guide to costs for extending a lease, but we are not able to supply a more accurate figure without more detailed investigations. You should not use this information in a Notice of Claim or as an informal offer. There may be other issues that need to be considered and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information without first getting professional advice.
Should local authority consent be needed to change a house into two appartments in Cleethorpes? This has taken place to a house next door to a relative in Cleethorpes and was unaware of the conversion until it was finished.
Planning consent is necessary for splitting a single dwelling in Cleethorpes into apartments but possibly not for reverting back to single dwelling-house so, simply put, yes,a it is needed.