Will my conveyancing lawyers need to check that the building insurance when buying a house in Ruskington. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 15/2/2026, the requirements read as follows :
I am being told by my lawyer that defective lease insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Ruskington?
The right level of defective lease indemnity insurance should be dictated by who who your lender is. It would differ for example between Nationwide Building Society and Chelsea Building Society. Conveyancing practitioners as opposed to borrowers take out such policies.
Is it the case that all Ruskington solicitors on the Kent Reliance conveyancing panel are regulated by the SRA?
As a firm of solicitors, in order to be on the Kent Reliance conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many mortgage companies do permit licenced conveyancers on their panel and in such a situation the practice would be regulated by the CLC.
The formalities of my purchase has taken place for my property in Ruskington. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I am purchasing a property and the solicitor has raised the issue of Chancel Repair to which the house could be liable given it’s proximity to the area of such a church. He has mentioned insurance. Is this really appropriate for conveyancing in Ruskington
Unless a prior acquisition of the premises completed post 12 October 2013 you could expect conveyancing practitioners delivering conveyancing in Ruskington to continue to propose a a chancel search and or insurance against a claim.
The deeds to my house can not be found. The lawyers who did the conveyancing in Ruskington 4 years ago are no longer around. What are my next steps?
Assuming the title is registered the information relating to your proprietorship will be held by the Land Registry with a Title Number. It is possible to execute a search at the Land Registry, locate your property and obtain current copies of the property title for a small fee. If the title is Leasehold then the Land Registry will in most cases retain a certified copy of the Registered Lease and again, a copy can be retrieved for a small fee.
I have been on the look out for a ground for flat up to £305k and identified one round the corner in Ruskington I like with a park and station nearby, however it only has 51 remaining years left on the lease. I can't really find anything else in Ruskington 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 home loan the shortness of the lease will be an issue. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the premises for at least 2 years you may request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should consult your conveyancing solicitor regarding this matter.
Planning to exchange soon on a ground floor flat in Ruskington. Conveyancing lawyers inform me that they report fully within the next couple of days. What should I be looking out for?
The report on title for your leasehold conveyancing in Ruskington should include some of the following:
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You need to be informed what constitutes a Nuisance in the lease Whether your lease has a provision for a slush fund? You would want to be sent a copy of the lease The landlord’s rights to access the property. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided. The physical ownership of the premises. This could be the property itself but may include a loft or cellar if appropriate.
I inherited a split level flat in Ruskington, conveyancing having been completed in 2011. Can you work out an approximate cost of a lease extension? Similar properties in Ruskington with over 90 years remaining are worth £180,000. The ground rent is £65 invoiced every year. The lease ends on 21st October 2084
With only 58 years unexpired we estimate the premium for your lease extension to be between £21,900 and £25,200 plus plus your own and the landlord's "reasonable" professional fees.
The figure above a general guide to costs for renewing a lease, but we cannot give you the actual costs without more detailed due diligence. You should not use the figures in tribunal or court proceedings. There are no doubt 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.