Me and my fiance are hoping to acquire a 1 bedroom flat in Emsworth with a mortgage. We have a Emsworth conveyancer, however the mortgage company advise he's not on their "panel". We have to appoint one of the bank panel firms or keep our Emsworth lawyer and pay for one of their panel firms to act for them. This seems very unfair; can we not insist that the bank use our Emsworth solicitor ?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Emsworth conveyancing lawyer to apply to be on the conveyancing panel.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Emsworth. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 7/12/2025, the requirements read as follows :
I just bought a flat at auction in Emsworth. Conveyancing is necessary. What are my next steps?
Having for in every practical sense signed on the dotted line you must hire the services of a conveyancing solicitor quickly as you are faced with a fast approaching deadline in which to complete the transaction. An auction property should have a bespoke auction set of papers. This will include evidence of title and search results. Where you are dealing with leasehold property the conveyancing pack should contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation relating to leasehold premises. You need to pass this on to the conveyancer working for you at the earliest opportunity. You also need to ensure that that you have the requisite funding in place to complete the transaction on the set completion date.
My wife and I have arranged the release of further funds on our mortgage from Aldermore as we intend to conduct alterations to our property in Emsworth. Are we obliged to choose a high street Emsworth solicitor on the Aldermore conveyancing panel to deal with the legals?
Aldermore do not ordinarily require a member of their conveyancing panel to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Aldermore list.
Planning on purchasing a flat in Emsworth. 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 UBS 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 Emsworth conveyancing practitioner is on the UBS conveyancing panel.
I am looking for a leasehold apartment up to £195,000 and found one close by in Emsworth I like with amenity areas and railway links in the vicinity, however it's only got 61 years unexpired on the lease. I can't really find anything else in Emsworth for this price, so just wondered if I would be making a mistake buying a lease with such few years left?
Should you need a mortgage the shortness of the lease will likely be a potential deal breaker. Discount the offer by the expected lease extension will cost if not already taken into account. If the existing proprietor has owned the premises for at least twenty four months you could request that they start the process of the extension and pass it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor regarding this.
In my capacity as executor for the will of my uncle I am disposing of a property in Newport but live in Emsworth. My conveyancer (approximately 200 miles from meneeds me to execute a stat dec ahead of completion. Could you suggest a conveyancing solicitor in Emsworth to witness this legal document for me?
strictly speaking you should not need to have the documents attested by a conveyancing solicitor. Normally any notary public or solicitor will do regardless of whether they are Emsworth based
I am attracted to a two apartments in Emsworth which have about 50 years unexpired on the leases. Do I need to be concerned?
There are no two ways about it. A leasehold flat in Emsworth is a deteriorating asset as a result of the shortening lease. The closer the lease gets to its expiry date, the more it reduces the value of the premises. For most purchasers and lenders, leases with under eighty years become less and less attractive. On a more upbeat note, leaseholders can extend their leases by serving a Section 42 Notice. One stipulation is that they must have owned the premises for two years (unlike a Section 13 notice for purchasing the freehold, when leaseholders can participate from day one of ownership). When successful, they will have the right to an extension of 90 years to the current term and ground rent is effectively reduced to zero. Before moving forward with a purchase of a property with a short lease term remaining you should talk to a solicitor specialising in lease extensions and leasehold enfranchisement. We are are happy to put you in touch with Emsworth conveyancing experts who will explain the options available to you during an initial telephone conversation free of charge. A more straightforward and quicker method of extending would be to contact your landlord directly and sound him out on the prospect of extending the lease. They may agree to a smaller lump sum and an increase in the ground rent, but to shorter extension terms in return. You need to ensure that any new terms represent good long-term value compared with the standard benefits of the Section 42 Notice and that onerous clauses are not inserted into any redrafting of the lease.
Leasehold Conveyancing in Emsworth - A selection of Questions you should ask Prior to Purchasing
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Be sure to find out if there is anything that is prohibited in the lease. For example plenty of leases prohibit pets being permitted in in a block in Emsworth. If you like the apartmentin Emsworth however your cat can’t make the move with you then you will be presented with a hard choice. Plenty Emsworth leasehold properties will be liable to pay a service bill for the upkeep of the building levied by the freeholder. Should you buy the apartment you will have to meet this charge, normally quarterly throughout the year. This can vary from several hundred pounds to thousands of pounds for buildings with lifts and large communal areas. There will also be a rentcharge for you to pay yearly, ordinarily this is not a large figure, say about £25-£75 but you should to check as sometimes it could be surprisingly expensive. Who are the managing agents?