Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Cleethorpes. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 27/7/2025, the requirements read as follows :
I'm the only beneficiary of my late grandmother’s will with all property in now in my sole name, including the my former home in Cleethorpes. The Cleethorpes property was put into my name in June. I want to move. I understand that there is a Mortgage Lenders six month 'rule', meaning my property ownership will be considered the same way as if I'd bought the property in June. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be affected by that. How sensible a view lenders take of it, depend on the mortgage company as this requirement is chiefly there to capture subsales or the quick reselling of properties.
I have paid off my mortgage with Barclays. I assume I don't need a Cleethorpes property lawyer on the Barclays panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Barclays 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 Barclays mortgage from the register. Barclays, 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 Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
I had an offer accepted on an apartment in Cleethorpes on 6/6/2025, valuation was booked 2 days after, all came back fine. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Co-operative and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Co-operative conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Co-operative to deal with your lawyer's application to be on the Co-operative conveyancing panel. There's no guarantee that your solicitor will be accepted.
I'm converting the mortgage on my primary home to a BTL mortgage with Nottingham Building Society and intend to use the remaining equity towards another property. The area we are interested in is Cleethorpes. Will your conveyancers be able to act for the two lenders and link together the two deals?
Make use of our search tool on this page to be sure that the lawyers are approved by both lenders. Assuming that they are your conveyancer should be able to connect the two deals but you should have a chat with you solicitor and make clear your desired outcome and needs.
I am 3 weeks into a leasehold purchase having been recommend to a firm by the local agent to handle our conveyancing in Cleethorpes. We are not happy. Can you help me find new conveyancers?
A solicitor would have to be very poor in order to consider changing them. Has your loan offer been generated? In the event that it has you need to make them aware of the new contact details and get the mortgage documents are re-sent. The conveyancer should be on the lenders approved list to avoid supplemental expenses and delays. That should be your first question of the new lawyers. The search tool should assist you in finding a bank approved lawyer for your home move in Cleethorpes
What are your top tips when it comes to choosing a Cleethorpes conveyancing practice to deal with our lease extension?
If you are instructing a property lawyer for lease extension works (regardless if they are a Cleethorpes conveyancing practice) it is most important that they be familiar with the legislation and specialises in this area of work. We suggest that you talk with several firms including non Cleethorpes conveyancing practices prior to instructing a firm. If the firm is ALEP accredited then so much the better. The following questions might be helpful:
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How familiar is the practice with lease extension legislation? If they are not ALEP accredited then why not?
I inherited a 1st floor flat in Cleethorpes, conveyancing formalities finalised in 1999. Can you shed any light on how much the price could be for a 90 year extension to my lease? Equivalent flats in Cleethorpes with an extended lease are worth £201,000. The ground rent is £45 per annum. The lease ceases on 21st October 2090
You have 65 years left to run we estimate the premium for your lease extension to range between £13,300 and £15,400 plus plus your own and the landlord's "reasonable" professional fees.
The suggested premium range above a general guide to costs for extending a lease, but we are not able to advice on a more accurate figure 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 other issues that need to be considered and clearly you want to be as accurate as possible in your negotiations. Neither should you move forward placing reliance on this information without first seeking the advice of a professional.
Much to my surprise my property lawyer in Cleethorpes has informed me that he requires proof of ID documents saying that this is part of his legal duty as a conveyancer on the lender Conveyancing panel. This is news to me - can I refuse?
Anti-terror and anti-money-laundering rules require Cleethorpes conveyancing solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Client Care letter that you need to sign will no doubt confirm this. Your lawyer is right that the bank also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with the mortgage company's UK Finance Lenders’ Handbook requirements