My financial adviser has requested my Kingstanding law firm’s panel reference for the HSBC conveyancing panel. What is the best way to obtain this. I have contacted my local Kingstanding branch but they cant find it on their system.
Have you tried contacting your Kingstanding conveyancer about this?. Most Kingstanding conveyancing practices will keep a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each lender.
Can you explain why leasehold purchase conveyancing in Kingstanding is more expensive?
Kingstanding leasehold properties involve far more paperwork than a freehold purchase, and therefore takes more time to examine and advise upon.Conveyancing will involve the lease having to be checked which is usually a lengthy document, queries raised to ensure that the covenants and conditions have been observed. If it is a flat there will be a management company in existence and the accounts of this will need to be checked and enquiries raised to ensure it is operating efficiently and that all monies due have been paid by the Seller to the company and if not ensuring that money is paid up to date or the appropriate undertakings obtained.
About to place a bid on a leasehold property in Kingstanding. The estate agents tell me that it is standard for flats in Kingstanding to have less than 75 years remaining. I am taking out a mortgage with Bank of Ireland. Will the property be mortgageable given that the lease has Seventy One 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 6/6/2025 the requirements read as follows :
If you had a top tip for selecting a conveyancing solicitor in Kingstanding what would it be?
It would be unwise to be swayed by the lowest Kingstanding conveyancing fees. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
I happen to be the sole recipient of my late mum's will with all property in now in my sole name, including the house in Kingstanding. The Kingstanding property was put into my name in May. I now wish to sell up. I do know about the CML six month 'rule', meaning my proprietorship could be regarded the same way as if I'd bought the property in May. Will no one buy the property for half a year?
The CML handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be affected by that. How sensible a view lenders take of it, depend on the mortgage company as this requirement primarily exists to capture the purchase and immediately sell or the wholesaling and assigning of property.
I am currently in the process of buying my council flat in Kingstanding. I have a mortgage agreed with Santander. 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 Santander, you will need to appoint a solicitor on the Santander conveyancing panel.
Back In 2009, I bought a leasehold flat in Kingstanding. Conveyancing and National Westminster Bank mortgage went though with no issue. A letter has just been received from someone saying they have taken over the reversionary interest in the property. Attached was a ground rent demand for rent dating back to 1991. The conveyancing practitioner in Kingstanding who previously acted has now retired. What should I do?
First contact HMLR to be sure that the individual claiming to own the freehold is in fact the registered owner of the freehold reversion. It is not necessary to incur the fees of a Kingstanding conveyancing practitioner to do this as you can do this on the Land Registry website for less than a fiver. Rest assured that regardless, even if this is the legitimate landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
Kingstanding Conveyancing for Leasehold Flats - Examples of Questions you should ask Prior to Purchasing
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Are there any major works on the horizon that will likely add a premium to the service fees? How much is the ground rent and service charge? Who is in charge of the building?
I am purchasing a ground floor flat in Kingstanding. Conveyancing lawyer has been awaiting, from the vendor, building insurance paperwork. This morning I was informed that the seller needs to send the insurance documents for the flat above in addition. Why would my conveyancer want to check the insurance for the other flat? Is it really necessary? We have been stalled for the last fortnight…
It is not impossible in leasehold conveyancing in Kingstanding to find Conveyancing in Kingstanding in a minority of cases reveals that the lease provides for the leasehold owners to insure their individual flats as opposed to the landlord insuring the entire block - which is clearly better. You should contact your conveyancer but it would seem that your property lawyer is attempting to verify that the whole building is insured. Insuring your residence is no help when it comes to rebuilding after a fire if the other flat cannot be rebuilt for lack of insurance.