I am in the throes of porting my current homeowner home loan to a BTL Nationwide Building Society mortgage. The bank has said that I must appoint a lawyer as part of the process. I spoke to my former Horwich conveyancing firm who dealt with the legals when I first acquired the property. The fee calculation they've given of £500 is surprising as its a remortgage than a sale or purchase.
The charges seem a bit high. Where you are willing to spend time comparing charges you could reduce the fees slightly by say a hundred pounds. On the other hand, providing that you were pleased with the conveyancing the firm offered you couldcome to rue opting for an an untested conveyancer. Remember to ensure that the solicitor can act for Nationwide Building Society. You can utilise our search tool to choose a Horwich conveyancing firm on the Nationwide Building Society approved list of lawyers, which can often include conveyancing solicitors in Horwich.
It is a dozen years since I purchased my house in Horwich. Conveyancing lawyers have just been retained on the sale but I can't find the title deeds. Is this a problem?
Don’t worry too much. First there is a possibility that the deeds will be with your lender or they could still be with the conveyancers who acted in your purchase. Secondly the likelihood is that the property will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers acquiring current official copies of the land registers. Nearly all conveyancing in Horwich involves registered property but in the rare situation where your home is unregistered it adds to the complexity but is not insurmountable.
About to place an offer on a leasehold apartment in Horwich. The property agents assure me that it is usual for flats in Horwich to have less than 75 years unexpired on the lease. I am getting a loan with Tesco Bank. Will the property be mortgageable given that the lease has 69 years left.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 12/9/2025 the requirements read as follows :
We are due to move house in October. Should my conveyancing solicitor update the removal company on the completion day. On a separate note, can you put forward a removal company in Horwich. Conveyancing lawyer was found prior to coming across your page.
On the afternoon of completion you will need to pick up the keys from the selling agent but this should only occur after the sellers solicitors inform the agent that the monies to complete are in and the keys can be released. After that you can inform the removal men that they can start moving you in. As a matter of policy we do not suggest a particular removal company but can assist you in choosing a residential property solicitor in Horwich or a firm that specialises in conveyancing in Horwich.
When it comes to mortgage companies such as Yorkshire BS, do Horwich solicitors incur a fee to be on the conveyancing panel?
We are not aware of any bank fees to register on their list of approved firms, although some do levy an administration fee to deal with the processing of the conveyancing panel submission.
We previously chose solicitors based in Horwich on the Co-operative solicitor panel. They have just invoiced me an additional charge for handling the Co-operative mortgage. Is this an additional conveyancing fee set by Co-operative?
As unfair as it may appear, as long as it’s in their Terms and Conditions or Quote then yes your solicitor is entitled to levy a fee for this. This charge is not set by Co-operative but by your Horwich solicitor. Some firms on the Co-operative panel will quote an ‘acting for lender’ fee and others do not.
All being well we will complete the sale of our £450,000 maisonette in Horwich on Friday in a week. The managing agents has quoted £408 for Landlord’s certificate, building insurance schedule and 3 years service charge statements. Is it legal for a freeholder to charge such fees for a flat conveyance in Horwich?
Horwich conveyancing on leasehold apartments usually involves fees being levied by management companies :
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Answering pre-exchange questions
Where consent is required before sale in Horwich
Supplying insurance information
Deeds of covenant upon sale
Registering of the assignment of the change of lessee after a sale
I am the registered owner of a ground floor flat in Horwich, conveyancing was carried out in 2006. Can you give me give me an indication of the likely cost of a lease extension? Corresponding properties in Horwich with an extended lease are worth £265,000. The ground rent is £50 invoiced every year. The lease runs out on 21st October 2101
With only 76 years remaining on your lease we estimate the price of your lease extension to be between £8,600 and £9,800 plus plus your own and the landlord's "reasonable" professional fees.
The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you the actual costs in the absence of detailed investigations. You should not use this information in tribunal or court proceedings. There may be additional issues that need to be taken into account and clearly you should be as accurate as possible in your negotiations. Neither should you move forward based on this information before getting professional advice.
The lawyers carrying out our conveyancing in Horwich has sent papers to review that state the property is unregistered with epitome documents. Surely all houses in Horwich should be registered?
Whilst the vast majorities of properties in Horwich are now registered with the Land Registry there are still some that are unregistered. Any property in Horwich that has been remortgaged since the late 1980’s will have been registered at the HMLR under the compulsory ‘first registration’ scheme. However, if a Horwich property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Many Horwich conveyancing solicitors will be familiar with this type of conveyancing but if any uncertainty prevails the standard advice presently is for the current owners to undertake the registration formalities first and subsequently deal with the dispose of the property to the purchaser - this can though naturally cause a protracted home move.