We instructed a high street lawyer for my conveyancing in Cawthorne recently. After carefully reading the Ts and Cs I seeI am liable for charges even where the conveyance does not complete. Should I ditch them and instruct an on-line lawyer advertising no-sale-no-fee conveyancing in Cawthorne?
Generally there is a compromise along the lines that if "No Sale No Fee" is advertised then the fee levels will generally be uplifted to cover those cases that do not go ahead. Do bear in mind that these offerings rarely protect you from expenses for instance Cawthorne conveyancing search charges.
Can you explain why leasehold purchase conveyancing in Cawthorne is more expensive?
The conveyancing charges on a leasehold property in Cawthorne is frequently more expensive than on a freehold property. This is due to the supplemental work necessary in corresponding with the freeholder and managing agents to collate the evidence concerning whether the rent and maintenance charges have been paid and whether there are any major works due in the foreseeable future on repairs or maintenance of the building.
I have 71 years remaining on my lease and require a lease extension for my apartment in Cawthorne. Conveyancing solicitors on the Bank of Ireland panel can deal with such extensions right?
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 25/12/2025 the requirements read as follows :
I am the only recipient of my late mum's will with all property in now in my sole name, including the my former home in Cawthorne. Conveyancing formalities meant that the Land Registry date was in November. I want to move. I understand that there is a CML six month 'rule', which means that my proprietorship could be treated the same way as though I had purchased the house in November. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be impacted by that. How sensible a view lenders take of it, depend on the bank as this clause is principally there to capture subsales or the flipping of property.
When it comes to mortgage companies such as Skipton, do Cawthorne property lawyers have to pay a yearly amount to be on the conveyancing panel?
We are unaware of any lender fees to register on their panel, although some do levy an administration fee to deal with the processing of the conveyancing panel application.
I have today made my last payment due on my mortgage with Santander. I assume I don't need a Cawthorne lawyer on the Santander panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Santander mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Santander mortgage from the register. Santander, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Santander has sent the Land Registry the discharge electronically, and
- Santander has instructed the Land Registry to do so
Can you provide any advice for leasehold conveyancing in Cawthorne with the intention of saving time on the sale process?
- A significant proportion of the delay in leasehold conveyancing in Cawthorne can be bypassed if you instruct lawyers the minute you market your property and request that they start to collate the leasehold information which will be required by the purchasers’ lawyers. You may think that you are aware of the number of years remaining on your lease but it would be wise to verify this by asking your lawyers. A buyer’s lawyer will not be happy to advise their client to proceed with the purchase of a leasehold property the remaining number of years is below 75 years. In the circumstances it is essential at an early stage that you identify whether the lease requires a lease extension. If it does, contact your solicitors before you put your home on the market for sale. If you have the benefit of shareholding in the freehold, you should make sure that you have the original share document. Obtaining a duplicate share certificate is often a lengthy formality and frustrates many a Cawthorne home move. If a reissued share is required, you should approach the company officers or managing agents (where relevant) for this sooner rather than later. The majority of landlords or managing agents in Cawthorne charge for providing management packs for a leasehold premises. You or your lawyers should enquire as to the fee that they propose to charge. The management information sought on or before finding a buyer, thus reducing delays. The typical amount of time it takes to receive management information is three weeks. It is the most common cause of delay in leasehold conveyancing in Cawthorne.
I inherited a split level flat in Cawthorne, conveyancing was carried out 10 years ago. How much will my lease extension cost? Comparable properties in Cawthorne with an extended lease are worth £190,000. The ground rent is £65 invoiced every year. The lease comes to an end on 21st October 2086
With 61 years remaining on your lease we estimate the price of your lease extension to range between £19,000 and £22,000 as well as costs.
The figure that we have given is a general guide to costs for extending a lease, but we cannot give you the actual costs in the absence of detailed investigations. You should not use the figures in a Notice of Claim or as an informal offer. There may be additional concerns that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information before seeking the advice of a professional.
My wife and I have an offer in principle from Platform Home Loans Ltd who said that they will loan up to £400k. When do we need to instruct a practitioner for conveyancing? Cawthorne is where we are .
It would be wise to instruct a conveyancing practitioner now so that the lawyer can open the file so they can do their ID checks etc. Once you wish them to commence work they will seek a deposit normally about £225. That would normally be after you have the mortgage offer and survey report, nevertheless if you wish to expedite the process you can start the ball rolling sooner albeit risking some money.