We see that you have a search directory identifying solicitors on the HSBC conveyancing panel. Do firms pay you a referral fee if I instruct them for our own conveyancing in Badsey?
We are a listing service only for law firms wishing to communicate if they are on the HSBC conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Badsey.
I am about to put an offer on a leasehold apartment in Badsey. The estate agents say that it is the norm for flats in Badsey to have less than 75 years unexpired on the lease. I am taking out a loan with Accord Mortgages. Is this going to be a problem if the lease has 70 years unexpired.
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 30/11/2025 the requirements read as follows :
Forgive me if this question is silly but I am new to the house moving as a 1st time buyer of a two bedroom flat in Badsey. Do I pick up the keys to the property on the completion date from my conveyancer? If this is the case, I will instruct a local conveyancing solicitor in Badsey?
On the day of completion you will not be required to go to the conveyancers office in Badsey. Your solicitors will arrange to send the purchase money to the vendor’s solicitors, and once they have received this, you will be called to receive the keys from the selling Agents and move into your new home. This tends to happen early afternoon.
Does a directory service exist listing Clydesdale panel conveyancers in Badsey on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such tool on the CML or Building Society Association sites. A small selection of banks make their panel listings available over the internet. If you are looking for a Badsey conveyancing practitioner on the Clydesdale please use our tool.
I currently have a mortgage with UBS for my property in Badsey. Conveyancing was finalised some time ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform UBS?
Your original mortgage agreement with UBS will provide that you need their approval before renting your property as this is likely to be a breach of UBS’s mortgage conditions. It may be that UBS will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact UBS directly. You need not do this via a UBS conveyancing panel lawyer.
I am purchasing a new build house in Badsey with a mortgage from Coventry Building Society. The builders would not reduce the amount so I negotiated £7000 of extras instead. The sale representative advised me not inform my conveyancer about this side-deal as it will put at risk my loan with the lender. 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.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on last month in what should have been a quick, no chain conveyancing. Badsey is where the house is located. What do you suggest?
Flying freeholds in Badsey are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Badsey you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Badsey may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
What makes a Badsey lease unacceptable for security purposes?
There is nothing unique about leasehold conveyancing in Badsey. Most leases are drafted differently and drafting errors can result in certain provisions are not included. For example, if your lease is missing any of the following, it could be defective:
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Maintenance charge proportions which don’t add up to the correct percentage Insurance obligations
You may encounter a problem when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Lloyds TSB Bank, Norwich and Peterborough Building Society, and Nottingham Building Society all have very detailed requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease is problematic they may refuse to grant the mortgage, obliging the buyer to withdraw.
I invested in buying a basement flat in Badsey, conveyancing having been completed March 2005. Can you let me have an estimated range of the fair premium for a lease extension? Similar flats in Badsey with an extended lease are worth £260,000. The average or mid-range amount of ground rent is £45 invoiced annually. The lease expires on 21st October 2100
With just 75 years remaining on your lease we estimate the premium for your lease extension to range between £8,600 and £9,800 plus plus your own and the landlord's "reasonable" professional fees.
The figure that we have given is a general guide to costs for extending a lease, but we are not able to supply a more accurate figure in the absence of detailed due diligence. Do not use the figures in tribunal or court proceedings. There are no doubt other concerns that need to be considered and you obviously should be as accurate as possible in your negotiations. Please do not move forward based on this information before getting professional advice.