My wife and I are planning to purchase a flat in Lichfield and are in fact using a Lichfield conveyancing firm. Within the past 48 hours our property lawyer has sent a preliminary report and documents to look through in anticipation of exchanging contracts shortly. Yorkshire Building Society have this morning contacted us to inform me that there is now an issue as our Lichfield lawyer is not on their approved list of lawyers. What do we do from here?
Where you are buying a property requiring a mortgage it is normal for the purchasers' lawyers to also act for the purchaser's lender. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your solicitor should contact your bank and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on the bank's conveyancing panel and you may continue to use your own Lichfield solicitors, in which case your legal fees may increase, and it will likely delay the transaction as you have another set of people involved.
Me and my wife are purchasing our first property. Our property lawyer has messagedto see if we want to take out extra conveyancing searches. We are really unsure what's relevant for conveyancing in Lichfield
The scope of Lichfield conveyancing searches should be dictated entirely on the premises, the location, the possibility of any of these risks, your knowledge of the locality and risks, your overall appetite to risk. What is important is that you properly comprehend what information each search could supply. You may then decide if you personally think you need that search. If uncertain, ask your conveyancing practitioner to guide you.
I have just over seventy years left on my lease and need a lease extension for my apartment in Lichfield. 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 getting 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 11/4/2025 the requirements read as follows :
I am buying a new build flat in Lichfield. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Set out below are examples of a few leasehold new build questions that you can expect your new-build leasehold conveyancing in Lichfield
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Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. There must be mutual enforceability of lessee’s covenants. Please supply evidence that the form of Lease proposed has been approved by the Land Registry.
Due to the input of my in-laws I had a survey completed on a property in Lichfield ahead of appointing conveyancers. I have been advised that there is a flying freehold overhang to the property. My surveyor has said that some mortgage companies may refuse to give a mortgage on a flying freehold premises.
It depends who your proposed lender is. HSBC has different requirements for example to Halifax. If you contact us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Lichfield. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Lichfield to see if the conveyancing will be more expensive.
Having had my offer accepted I require leasehold conveyancing in Lichfield. Before I get started I require certainty as to the unexpired term of the lease.
If the lease is recorded at the land registry - and almost all are in Lichfield - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Lichfield Conveyancing for Leasehold Flats - Examples of Queries before Purchasing
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If a Lichfield lease has fewer than eighty years it will impact the marketability of the property. It is worth checking with your bank that they are content with residual term of the lease. Leases with fewer than 80 years remaining means that you will almost definitely have to extend the lease sooner rather than later and it is worth finding out how much this would cost. For most Lichfieldlease extensions you will be be obliged to have been the owner of the premises for 24 months in order to be eligible to exercise a lease extension. What prohibitions are contained in the Lichfield Lease? On the whole the outlay for major works tend not to be incorporated into the maintenance charges, albeit that some managing agents in Lichfield require tenants to pay into a sinking fund created for the specific purpose of building a fund for larger works.