Our conveyancer has identified a a legal deficiency with the lease for the flat we are purchasing in Beckermet. The seller’s lawyers have suggested defective title insurance as a workaround. We are happy with insurance and will pay for it. Our conveyancer has advised that he must check that the mortgage company is happy with this solution. Are we the client or is the bank?
Even though you have a mortgage offer from the bank does not mean to say that the property will meet their provisions 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 lender are the client. The appropriate lender requirements must be adhered to.
I am the registered owner of a freehold property in Beckermet but nevertheless invoiced for rent, why is this and what is this?
It’s unusual for properties in Beckermet and has limited impact for conveyancing in Beckermet but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the establishment of new rentcharges post 1977.
Previous rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 is to be dispensed with completely.
I am about to put a bid on a leasehold property in Beckermet. The property agents advise that it is the norm for flats in Beckermet to have less than 75 years left on the lease. I am getting a loan with Tesco Bank. 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 securing a mortgage then your lender may insist that the lease be extended before competition. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 19/6/2025 the requirements read as follows :
If you had a top tip for selecting a conveyancing solicitor in Beckermet what would it be?
Do not opt for the cheapest Beckermet conveyancing fees. You really do get what you’re paying 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.
When it comes to mortgage companies such as Santander, do Beckermet property lawyers incur a yearly amount to be on the conveyancing panel?
We are unaware of any mortgage company fees to register on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel application.
My partner and I have organised a further advance on our mortgage from UBS as we want to carry out improvements to our property in Beckermet. Do we need to select a bricks and mortar Beckermet solicitor on the UBS conveyancing panel to handle the legals?
UBS would not normally require a member of their conveyancing panel to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the UBS conveyancing panel.
I decided to have a survey completed on a house in Beckermet before appointing solicitors. I have been told that there is a flying freehold aspect to the property. The surveyor has said that some mortgage companies will not grant a loan on a flying freehold house.
It depends who your proposed lender is. Bank of Scotland has different instructions from Nationwide. If you e-mail us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Beckermet. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Beckermet to see if the conveyancing costs will increase in light of this.
I'm selling a bungalow in Beckermet. I can find my conveyancer's company on the Law Society's list, but I can't find my conveyancer's name as listed on the regulator's website. Should I be concerned?
Not every individual in the company must be listed by the regulator. As long there is a manager qualified to 'oversee' the transaction, the actual day-to-day activity can be undertaken by unqualified staff.