I have just started taking steps with the intention of porting my current residential home loan to a Buy to Let Birmingham Midshires mortgage. I was told by my mortgage that I require a solicitor for this. I had a chat my past Ashton under Lyne conveyancing solicitor who who conducted the conveyancing when I initially bought the premises. The fee calculation issued of £575 plus disbursements has surprised me as its a refinance than a sale or purchase.
The estimate does seem a little overpriced. If you are willing to spend time scrutinising prices you could reduce the fees slightly by perhaps £125. On the other hand, providing that you were satisfied with the service the firm provided you mightlive to rue opting for an an untested solicitor. Remember to enquire that the conveyancer can also act for Birmingham Midshires. Do use our search tool to select a Ashton under Lyne conveyancing firm on the Birmingham Midshires member panel, which can often include conveyancing solicitors in Ashton under Lyne.
My lawyer has identified a a legal deficiency with the lease for the flat we are purchasing in Ashton under Lyne. The seller’s lawyers have offered defective title insurance as a workaround. We are content with insurance and will pay for it. Our property lawyer has advised that he must be satisfied that the mortgage company is willing to move forward with this solution. Who is the client here, us or the lender?
Notwithstanding that you have a mortgage offer from the lender does not mean to say that the property will meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook requirements. You and the bank are the client. The appropriate lender requirements must be adhered to.
I have 7378 less than 75 years remaining on my lease and require a lease extension for my flat in Ashton under Lyne. Conveyancing solicitors on the Accord Mortgages panel can deal with such extensions right?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting 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 5/10/2026 the requirements read as follows :
I need some quick conveyancing in Ashton under Lyne as I am faced with pressure to sign on the dotted line within 2 weeks. A home loan is not required. Is it possible to escape the need for conveyancing searches to save fees and time?
If.Given you are are a cash buyer you have the choice not to have searches conducted although no law firm would suggest that you don't. Drawing on years of experience of conveyancing in Ashton under Lyne the following are examples of what can be revealed and adversely affect future mortgageability: Refused Planning Applications, Overdue Fees, Outstanding Grants, Unadopted Roads,...
I have been on the look out for a leasehold apartment up to £195,000 and found one round the corner in Ashton under Lyne I like with amenity areas and railway links nearby, however it's only got 49 years on the lease. I can't really find anything else in Ashton under Lyne for this price, so just wondered if I would be making a mistake purchasing a lease with such few years left?
If you require a home loan the remaining unexpired lease term may be an issue. Discount the price by the amount the lease extension will cost if it has not already been discounted. If the current owner has owned the property for at least twenty four months you can ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should consult your conveyancing solicitor regarding this matter.
If instructed can a conveyancer remove a person from the title of my home in Ashton under Lyne ?
Removing or adding someone to the title of your home is relatively straightforward. You’ll need to appoint a conveyancer to discuss your legal rights before you can proceed with a transfer of property. Contact us to book a free consultation with one a property lawyer