We are acquiring our first home. The lawyer has texted usto enquire if we would like to order additional conveyancing searches. As novices we in the dark as to what's recommended for conveyancing in Great Sankey
The scope of Great Sankey conveyancing searches should be dictated primarily on the property, the location, the likelihood of any of these risks, your knowledge of the locality and risks, your overall approach to risk. What is important is that you properly comprehend what information the searches could give you. You may then make a decision if you consider that you need that search. Should you be unsure, ask the solicitor to advise.
I am about to put an offer on a leasehold apartment in Great Sankey. The estate agents advise that it is usual for flats in Great Sankey to have less than 75 years remaining. I am taking out a loan with Accord Mortgages. Will the property be mortgageable given that the lease has 72 years to go.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing 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 13/9/2025 the requirements read as follows :
Have just purchased a probate house at auction in Great Sankey. Conveyancing is necessary. What are my next steps?
Given that you have now to in every practical sense signed on the dotted line you should retain a conveyancing lawyer soon as you are facing a pending a drop dead date to complete the conveyancing. All auction property will have a bespoke auction pack. This will include the copy title deeds, local authority and drainage searches. If you have purchased leasehold premises the legal papers should contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation relating to a leasehold property. You need to pass this on to the solicitor working for you ASAP. You also need to ensure that your finances are in place to complete on the on the contractual date .
We had selected conveyancers locally in Great Sankey on the HSBC solicitor panel. They are now charging me an additional charge for handling the HSBC mortgage. Is this a supplemental conveyancing fee specified by HSBC?
As unfair as it may appear, as long as it’s in their Terms of Engagement or estimate then yes your lawyer can charge a fee for this. The charge is not dictated by HSBC but by your Great Sankey conveyancer. Plenty of firms on the HSBC panel will quote ’dealing with mortgage’ fee and others do not.
I am due to exchange contracts on my apartment. I had a double glazing fitted in November 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Barclays are being pedantic. The Great Sankey solicitor who is on the Barclays conveyancing panel is saying indemnity insurance will be fine but Barclays are requiring a building regulation certificate. Why do Barclays have a conveyancing panel if they don't accept advice from them?
It is probably the case that Barclays have referred the matter to their valuer. The reason why Barclays may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I am looking for a flat up to £245,000 and identified one near me in Great Sankey I like with open areas and transport links nearby, however it only has 61 years unexpired on the lease. There is not much else in Great Sankey suitable, so just wondered if I would be making a mistake acquiring a lease with such few years left?
If you require a mortgage the shortness of the lease may be an issue. Discount the offer by the expected lease extension will cost if it has not already been discounted. If the existing proprietor has owned the premises for at least twenty four months you may ask them to commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the current lease and have £0 ground rent by law. You should speak to your conveyancing lawyer about this.
Having had my offer accepted I require leasehold conveyancing in Great Sankey. Before I set the wheels in motion I would like to find out the remaining lease term.
Assuming the lease is registered - and most are in Great Sankey - 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 Great Sankey - Sample of Queries before buying
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Who manages the block? How long is the Lease? The best form of lease arrangement is a share of the freehold. In this arrangement the tenants benefit from control and even though a managing agent is often retained if the building is bigger than a house conversion, the managing agent employed by the leaseholders.
The solicitors conducting our conveyancing in Great Sankey has sent documents to review that indicate that the land is unregistered with epitome documents. How can it be that the property not yet recorded at HMLR?
Although most properties in Great Sankey are now registered with HMLR there are still some that remain unregistered. Any property in Great Sankey that has been purchased since the late 1980’s will have been registered at the HMLR under the compulsory ‘first registration’ scheme. However, if a Great Sankey property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Many Great Sankey conveyancing lawyers will be able to handle such matters but in the event that uncertainty reigns the conventional recommendation nowadays seems to be for the vendor’s solicitor to address the registration formalities first and then sell - this can though naturally result in a drawn-out home move.