Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Pitsea. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 17/11/2025, the requirements read as follows :
My colleague recommended that where I am buying in Pitsea I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally quoted for as part of the standard Pitsea conveyancing searches. It is not a small document of about 40 pages, listing and detailing important information about Pitsea around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Pitsea Education with maps and statistics, Local Amenities and other useful information concerning Pitsea.
Yesterday I discovered that there is a flying freehold element on a house I have offered on two weeks back in what should have been a straight forward, chain free conveyancing. Pitsea is the location of the property. Is there any advice you can impart?
Flying freeholds in Pitsea are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Pitsea you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Pitsea may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I was advised by numerous estate agents in Pitsea to select a solicitor on your site. Is there a financial upside for Estate Agents to promote your lawyers rather than alternative conveyancing organisations?
We don’t make any referral fee for sending work in our direction. We thought it would be too underhand a fee as home movers will think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.
I have just appointed agents to market my ground floor apartment in Pitsea. Conveyancing solicitors are to be appointed soon, however I have recently received a half-yearly service charge demand – should I leave it to the buyer to sort out?
It best that you pay the invoice as normal as all rents and maintenance charges will be allotted on completion, so you will be reimbursed by the purchaser for the period running from after the completion date to the subsequent invoice date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.
I invested in buying a 2 bed flat in Pitsea, conveyancing was carried out in 2002. Can you let me have an estimated range of the fair premium for a lease extension? Corresponding flats in Pitsea with over 90 years remaining are worth £202,000. The average or mid-range amount of ground rent is £55 invoiced every year. The lease ends on 21st October 2081
With only 56 years left to run we estimate the premium for your lease extension to span between £29,500 and £34,000 as well as legals.
The figure above a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of comprehensive investigations. Do not use this information in tribunal or court proceedings. There may be additional concerns that need to be taken into account and you obviously should be as accurate as possible in your negotiations. You should not take any other action based on this information before seeking the advice of a professional.
My sealed bid on semi in Pitsea was agreed to, the owner does nevertheless have a dependent purchase. The owners have submitted an offer on somewhere, although it’s not yet agreed to, and are looking at other properties in the pipeline. I have chosen a nearby conveyancing solicitor in Pitsea. What should be my next step? When should I get the mortgage application with Leeds Building Society going with Leeds Building Society?
It is usual to have anxieties where there is a chain as you are unlikely to want to be too out of pocket prematurely (mortgage application is in the region of one thousand pounds, then survey, Pitsea conveyancing search charges, etc). First, you must check that your conveyancing practitioner is on the Leeds Building Society approved list. As to the next phase this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a rising market many home buyers would apply for the mortgage with Leeds Building Society and pay for the survey and only if it was satisfactory would they ask their conveyancing practitioner to move forward with searches.