I am about to put a bid on a leasehold flat in Canvey Island. The property agents tell me that it is normal for flats in Canvey Island to have less than 75 years remaining. I am obtaining a mortgage with Virgin. Is this going to be acceptable if the lease has 72 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 27/7/2026 the requirements read as follows :
I just bought a flat at auction in Canvey Island. Conveyancing is required. What is next?
Now that you are exchanged you should instruct a conveyancing lawyer as a matter of urgency as you are facing a pending a fixed date to complete the transaction. An auction property will have an associated legal set of papers. This will include evidence of title and search results. If you have purchased leasehold premises the legal papers should include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation pertinent to a leasehold property. You should hand this to your appointed conveyancing solicitor as soon as possible. Do make sure that that you have the requisite funding in place to complete on the on the contractual date .
Completion of my purchase has taken place for my property in Canvey Island. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
It is unclear whether my mortgage offer requires a lease extension. I have called into my local Canvey Island building society branch on various occasions and was told it wasn't a problem and they will lend. My Canvey Island conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they would not lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. I have no idea who is right.
The lawyer has to follow the Council of Mortgage Lenders’ Handbook Part 2 conditions for your 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 lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
I am planning on selling our house in Canvey Island and the buyers lawyers are claiming that there is a possibility that the property was constructed on contaminated land. Any local conveyancer would know that there is no such problem. It does beg the question why the buyers are using a factory type conveyancing practice rather than a conveyancing solicitor in Canvey Island. Having lived in Canvey Island for 4 years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to seek confirmation that there is no issue.
It would appear that you have a conveyancing lawyer currently acting for you. Are they able to advise? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)
I've recently found out that there is a flying freehold element on a house I put an offer in last month in what should have been a quick, no chain conveyancing. Canvey Island is where the house is located. Is there any guidance you can impart?
Flying freeholds in Canvey Island are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Canvey Island you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Canvey Island may decide 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.
Is it possible to transfer to a new solicitor as I need to choose one who is on the Coventry Building Society conveyancing list. I had appointed a local conveyancing solicitor in Canvey Island round the corner but she is not approved by Coventry Building Society
We will our best to assist in finding you a conveyancing solicitor in Canvey Island on the Coventry Building Society panel. Please note that the law firms that we on the directory do not pay us commission if you instruct them and are under regulation of the Solicitors Regulation Authority who regulate all conveyancing solicitors in Canvey Island. In making use of search facility on this page, you can contrast fees for conveyancing solicitors in Canvey Island and throughout England and Wales.
We are 17 days into a freehold purchase having been referred to a firm by the estate agent to perform conveyancing in Canvey Island. I am am starting to be frustrated with the quality of service. Can you help me find new conveyancers?
They would have to be really bad to suggest changing them. Has your loan offer been sent? In the event that it has you need to make them aware of the new contact details and get the loan are re-issued. Your new conveyancer needs to be on the banks panel to avoid escalating charges and complications. That should be your starting point. Our search tool will help you find a lender approved lawyer for your conveyancing in Canvey Island