My solicitor has identified a a legal deficiency with the lease for the property we are purchasing in Matlock. The seller’s lawyers have offered title insurance as a solution. We are content with insurance and will cover the costs. Our lawyer says that he must check that the mortgage company is happy with this solution. Are we the client or is the mortgage company ?
Notwithstanding that you have a mortgage offer from the bank does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the mortgage company are the client. These conveyancing instructions have to be complied with.
I have just over seventy years left on my lease and require a lease extension for my flat in Matlock. Conveyancing solicitors on the Bank of Ireland panel can deal with such extensions correct?
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. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 29/6/2026 the requirements read as follows :
Will commercial conveyancing searches reveal proposed roadworks that may impact a commercial land in Matlock?
Its becoming the norm that commercial conveyancing solicitors in Matlock will execute a SiteSolutions Highways report as it reduces the time that conveyancers invest in investigating accurate data on highways that impact buildings and development assets in Matlock. The report sets out definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Matlock.
For every commercial conveyancing transaction in Matlock it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately can cause delays to Matlock commercial conveyancing transactions as well as pose a risk to future intentions for the site. These searches are not carried out for residential conveyancing in Matlock.
Despite weeks of looking the Title Certificate and documents to our house are lost. The conveyancers who did the conveyancing in Matlock 5 years ago no longer exist. What are my next steps?
Nowadays there are duplicates made of almost everything, and your solicitor will know exactly where to locate all the relevant documentation so you may buy or dispose of your house without any difficulty. Where duplicates can’t be located, your solicitor may be able to arrange cover in the form of insurance or indemnities protecting you against future claims on your property.
Due to the encouragement of my in-laws I had a survey completed on a property in Matlock before instructing conveyancers. I have been advised that there is a flying freehold aspect to the property. The surveyor has said that some lenders may refuse to give a mortgage on such a house.
It varies from the lender to lender. Santander has different requirements from Halifax. Should you wish to telephone us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Matlock. Conveyancing will be smoother if you use a solicitor in Matlock especially if they regularly deal with such properties in Matlock.
After what feels like an age I have had an offer on an flat in Matlock accepted, but there is a chain. The current proprietors have put an offer on somewhere, although it’s not been accepted yet, and has viewings of other apartments booked. I have selected a nearby conveyancing solicitor in Matlock. What do I do now? When should I get the mortgage application with Coventry BS started with Coventry BS?
It is understandable to have anxieties where there is an associated chain given your reluctance to incur costs too early (mortgage application is in the region of one thousand pounds, then survey, Matlock conveyancing search charges, etc). First, you should ensure that your conveyancer is on the Coventry BS approved list. Concerning the subsequent steps this very much dictated by the specifics of your case, desire for the property and on the state of the market. During a buoyant market many buyers would apply for a home loan with Coventry BS and pay for the survey and only if it was satisfactory would they pay their solicitor to press on with searches.