It is is a decade since I purchased my house in Bolton. Conveyancing solicitors have just been retained on the sale but I can't track down the deeds. Is this a major issue?
You need not be too concerned. First the deeds may be kept by the mortgage company or they could still be with the conveyancers who oversaw your purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors obtaining current official copies of the land registers. The vast majority of conveyancing in Bolton involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
I am about to put an offer on a leasehold property in Bolton. The property agents assure me that it is standard for flats in Bolton to have less than 75 years remaining. I am taking out a loan with Virgin. Will the property be mortgageable given that the lease has 69 years remaining.
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. Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 26/12/2025 the requirements read as follows :
What is your number one tip for finding a conveyancing solicitor in Bolton
It would be unwise to be tempted by the lowest Bolton 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 know exactly what you’ll have to pay in ahead of time.
We have agreed to purchase a house in Bolton. A rare aspect is that the roof has a solar panel. Skipton have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Skipton your lawyer must comply with the conveyancing instructions set out in Part two of UK Finance Lenders’ Handbook for Skipton. The Council of Mortgage Lenders’ Handbook includes minimum requirements for solar panel roof-space leases, and conveyancing practitioners are required to report to Skipton where a lease does not satisfy these specifications. The conditions relate to the installation of panels on properties in England and Wales and is not limited to Bolton.
Intending to buy a house in Bolton. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Virgin Money conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Bolton solicitor is on the Virgin Money conveyancing panel.
I have recentlydiscovered that Stirling Law have been shut down. They conducted my conveyancing in Bolton for a purchase of a leasehold apartment 9 months ago. How can I be sure that my home is registered correctly in the name of the former proprietor?
The easiest method to check if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Bolton conveyancing specialists.
I am looking for a conveyancing lawyer in Bolton for my home move. Can I see a firm’s record with the profession’s regulator?
Members of the public can search for presented Solicitor Regulator Association (SRA) determinations resulting from inquisitions from 2008 onwards. Visit Check a solicitor's record. For information Pre 2008, or to check a firm's history, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, dial +44 (0)121 329 6800. The regulator may monitor telephone calls for training purposes.
What makes a Bolton lease unmortgageable?
There is nothing unique about leasehold conveyancing in Bolton. Most leases are unique and legal mistakes in the legal wording can result in certain clauses are missing. For example, if your lease is missing any of the following, it could be defective:
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A duty to insure the building
A defective lease will likely cause problems when trying to sell a property as they can affect a potential buyer’s ability to obtain a mortgage. Yorkshire Building Society, Chelsea Building Society, and Aldermore all have express conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is defective they may refuse to grant the mortgage, forcing the buyer to pull out.
Bolton Leasehold Conveyancing - Examples of Queries Prior to buying
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Be sure to discover if there are any onerous restrictions in the lease. By way of example some leases prohibit pets being permitted in certain buildings in Bolton. If you like the propertyin Bolton yet your dog is not allowed to move with you then you will be faced hard choice. What is the the remaining lease term? Are any of leasehold owners in arrears of their service charge liability?