I am about to put an offer on a leasehold flat in Mablethorpe. The property agents say that it is the norm for flats in Mablethorpe to have less than 75 years left on the lease. I am taking out a mortgage with Chelsea Building Society. Is this going to be acceptable if the lease has 72 years left.
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. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 18/6/2025 the requirements read as follows :
I have paid off my mortgage with Aldermore. I assume I don't need a Mablethorpe conveyancer on the Aldermore panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Aldermore 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 Aldermore mortgage from the register. Aldermore, 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 Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
After much negotiation I have agreed a price on a house in Mablethorpe. My financial adviser suggested a conveyancer. I paid an advanced payment of £200. A couple of days later, the conveyancer contacted me to say that they were not on the TSB conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the TSB panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I am due to exchange contracts on my apartment. I had a double glazing fitted in May 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Barclays are being a right pain. The Mablethorpe solicitor who is on the Barclays conveyancing panel is recommending indemnity insurance as a solution but Barclays are insisting on 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 have recentlydiscovered that Wolstenholmes have been shut down. They conducted my conveyancing in Mablethorpe for a purchase of a leasehold apartment 9 months ago. How can I check that my home is registered correctly in the name of the former proprietor?
The easiest method to see if the property is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Mablethorpe conveyancing specialists.
I am purchasing my first flat in Mablethorpe benefiting from help to buy. The sellers would not reduce the price so I negotiated 6k of extras instead. The estate agent suggested that I not to tell my lawyer about the deal as it will adversely affect my mortgage with Bank of Scotland. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
How straightforward is it to use your search app to select a conveyancing lawyer in Mablethorpe on the panel for my lender?
1st choose a bank such as Barclays , The Mortgage Works or Clydesdale then specify your location a common one being Mablethorpe. Conveyancing organisations in Mablethorpe and nationally should be listed.
We're first time buyers - agreed a price, yet the selling agent informed us that the seller will only move forward if we instruct the agent's chosen lawyers as they need an ‘expedited deal’. Our preferred option is to instruct a local conveyancer used to conveyancing in Mablethorpe
We suspect that the owner is unaware of this demand. If they want ‘a quick sale', alienating a genuine purchaser is is going to put the whole deal at risk. Avoid the agents and go straight to the sellers and explain that (a)you are genuine purchasers (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you wish to move quickly (e)but you are going to instruct your own,trusted Mablethorpe conveyancing solicitors - not the ones that will earn the negotiator at the agency a referral fee or achieve conveyancing targets set by senior management.