I am about to put an offer on a leasehold property in Llandudno Junction. The selling agents advise that it is the norm for flats in Llandudno Junction to have less than 75 years unexpired on the lease. I am taking out a loan with Chelsea Building Society. Is this going to be a problem if the lease has 69 years remaining.
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. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 14/11/2025 the requirements read as follows :
What is the difference between a licensed conveyancer and conveyancing solicitor in Llandudno Junction
There are two types of lawyers who can perform conveyancing in Llandudno Junction namely licenced conveyancers or solicitors. The two can handle the legal services that you need to complete the disposal or acquisition of property. Both are required to carry out Llandudno Junction conveyancing to the same quality and guidelines so you may be sure that your conveyancing will be professionally conducted and that the requisite steps will be correctly followed.
My wife and I purchasing a 4 bedroom semi-detached house in Llandudno Junction. We would like to carry out a loft conversion at the house.Will legal investigations on the property involve checks to see if these alterations are permitted?
Your conveyancer should check the deeds as conveyancing in Llandudno Junction will on occasion reveal restrictions in the title deeds which prohibit certain alterations or require the consent of another owner. Some extensions need local authority planning consent and approval under the building regulations. Many areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be wise to check these issues with a surveyor prior to committing yourself to a purchase.
I currently have a mortgage with Yorkshire BS for my property in Llandudno Junction. Conveyancing has been completed some time ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Yorkshire BS?
Your original mortgage agreement with Yorkshire BS will provide that you need their approval prior to letting out your property as this is likely to be a breach of Yorkshire BS’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Yorkshire BS directly. You need not do this via a Yorkshire BS conveyancing panel lawyer.
I know that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when purchasing a residence in Llandudno Junction? or I am told that there is a law dating back centuries that means some house owners living in a parish church boundary will be compelled to contribute towards maintenance towards the chancel in proximity to the church. Is this relevant for conveyancing in Llandudno Junction?
Unless a prior acquisition of the property took place after 12 October 2013 you may expect conveyancing practitioners carrying out conveyancing in Llandudno Junction to continue to advocate a chancel search and or insurance against a claim.
Due to the encouragement of my in-laws I had a survey completed on a property in Llandudno Junction ahead of retaining conveyancers. I have been informed that there is a flying freehold overhang to the property. My surveyor advised that some mortgage companies tend not grant a loan on this type of premises.
It depends who your proposed lender is. Bank of Scotland has different requirements for example to Birmingham Midshires. Should you wish to call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Llandudno Junction. Conveyancing may be slightly more expensive based on your lender's requirements.
We're new on the property ladder - had an offer accepted, but the agent has warned us that the vendor will only move forward if we appoint the agent's preferred conveyancers as they want an ‘expedited deal’. Our preferred option is to instruct a family conveyancer who is familiar with conveyancing in Llandudno Junction
It is highly unlikely the vendors are behind this. If they require ‘a quick sale', taking such a hostile approach to a genuine buyer is is going to put the whole deal at risk. Contact the owners directly and explain that (a)you are serious purchasers (b)you are excited to move forward, with finances arranged © you do not need to sell (d) you intend to proceed fast (e)but you will continue to appoint your own,trusted Llandudno Junction conveyancing lawyers - as opposed tothose that will give their estate agent a commission or meet his conveyancing thresholds pre-set by corporate headquarters.
I've recently bought a leasehold property in Llandudno Junction. Am I liable to pay service charges for periods before completion of my purchase?
In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Leasehold Conveyancing in Llandudno Junction - A selection of Questions you should ask before buying
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Is anyone aware of any major works on the horizon that will increase the maintenance costs? You will want to find out as much as you can about the managing agents as they can either make your life much easier or problematic. As the owner of a leasehold property you are often in the clutches of the managing agents from a financial perspective and when it comes to daily matters like the tidiness of the communal areas. Enquire of prospective neighbours what they think of them. In conclusion, be sure you understand the dates that the maintenance charges are due to the relevant party and specifically what you get for your money.