I am the registered owner of a freehold property in Crosby yet charged rent, why is this and what is this?
It is rare for properties in Crosby and has limited impact for conveyancing in Crosby but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back hundreds of years, but the Rent Charge Act 1977 barred the generation of new rentcharges post 1977.
Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 is to be dispensed with completely.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Crosby. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 14/3/2026, the requirements read as follows :
A relative informed me that in purchasing a property in Crosby there may be a number of restrictions limiting what one can do in terms of external changes to the property. Is this right?
We are aware of a number of properties in Crosby which have some sort of restriction or requirement of consent to external alterations. Part of the conveyancing in Crosby should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am aiming to move property in June. Does my conveyancing solicitor liaise with the removal company on the completion day. Incidentally, can you recommend a removal company in Crosby. Conveyancing lawyer was chosen prior to coming across your page.
On the afternoon of completion you will need to collect the house keys from the estate agent but this should only occur when the vendors conveyancers advise the agent that they have the completion monies and the keys can be released. Subsequently you should tell the removal company that they can start moving you in. We do not suggest a particular removal organisation but can assist you in locating a residential property solicitor in Crosby or a legal practice that specialises in conveyancing in Crosby.
After shopping around on the internet I have found a Crosby property lawyer having checked that they are on the UBS conveyancing panel. Does my lawyer arrange the survey of the property?
UBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually UBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your conveyancer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Crosby postcode. As you are getting a mortgage with UBS, you could contact them to see if they have a list of approved surveyors in Crosby.
What can a local search reveal concerning the house I am purchasing in Crosby?
Crosby conveyancing often starts with the ordering local authority searches directly from your local Authority or through a personal search company for example Searchflow The local search plays a central part in most Crosby conveyancing purchase; as long as you don’t want any nasty surprises after you move into your new home. The search will provide information on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic sections.
I have been on the look out for a flat up to £245,000 and identified one near me in Crosby I like with amenity areas and transport links nearby, however it's only got 51 years on the lease. There is not much else in Crosby for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?
If you require a home loan the shortness of the lease may be problematic. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for a minimum of twenty four months you may request that they start the process of the extension and then assign it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer about this.
I have appointed a Crosby conveyancing solicitor for our house purchase (first time buyers) and have noticed in the engagement letter that they are not overseen by the FCA. Am I right to be worried or is that standard with lawyer?
We can't see why they should be. Most lawyer don't lend money. You should check that they are regulated by the Solicitors Regulation Authority, who have stringent obligations in place on monies held by them.