I am about to put a bid on a leasehold property in Belmont. The property agents say that it is normal for flats in Belmont to have less than 75 years left on the lease. I am getting a loan with Bank of Ireland. 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 obtaining 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 21/7/2026 the requirements read as follows :
We are due to move home in October. Should my conveyancing solicitor communicate with the removal company on the day of completion. Incidentally, can you recommend a removal company in Belmont. Conveyancing lawyer was found before I stumbled across your website.
On the afternoon of completion you will need to pick up the keys from the selling agent however this should only occur once the vendors conveyancers inform the agent that they have the completion monies and the keys can be passed over. Subsequently you can tell the removal men that you are ready to move in. We are not in a position to suggest a particular removal organisation but can help you choose a conveyancing in Belmont or a lawyer with expertise in conveyancing in Belmont.
I can not fathom if my mortgage offer requires a lease extension. I have telephoned my Belmont bank branch on numerous occasions and was informed it wasn't a problem and they would lend. My Belmont conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they would not lend based on their specific requirements. I have no idea who is right.
As long as the solicitor is on the lender approved list, they must follow the Council of Mortgage Lenders’ Handbook provisions for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
I recently had an offer agreed on an apartment in Belmont. My mortgage broker recommended their conveyancers. I paid an advanced payment of £200. A couple of days later, the property lawyer called me embarrassingly acknowledging that they were not on the Leeds Building Society 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 Leeds Building Society 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 own a terraced Georgian house in Belmont. Conveyancing practitioner acted for me and Norwich and Peterborough Building Society. I did a free Land Registry search last week and I saw two entries: one for freehold, another for leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Belmont and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with the conveyancing solicitor who carried out the work.
About to purchase a new build apartment in Belmont. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below is a sample of a selection of leasehold new build questions that you can expect your new-build leasehold conveyancing in Belmont
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If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. There must be mutual enforceability of lessee’s covenants.
I am looking for a leasehold apartment up to £235,500 and found one round the corner in Belmont I like with open areas and station nearby, the downside is that it's only got 52 years on the lease. I can't really find anything else in Belmont suitable, so just wondered if I would be making a grave error buying a short lease?
If you need a home loan that many years may be a potential deal breaker. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for a minimum of twenty four months you can request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing lawyer regarding this.
How does one as executor remove a departed person's name from the title register for a house in Belmont?
If a Belmont property is co-owned and one of the owners dies, the name will not immediately be removed from the title deeds. You are not required to remove their name as when it comes to a disposal you would just need to evidence why the other owner is missing from the transfer, normally this takes the form of a grant of probate.
With the aim of making the sale conveyancing simpler in the future you may arrange to have the deceased person erased from the title by submitting an application to the land registry with proof of the death. There is no land registry fee payable.