I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Silverdale. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 7/2/2026, the requirements read as follows :
My wife and I own a renovated Edwardian property in Silverdale. Conveyancing solicitor represented me and The Royal Bank of Scotland. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold with the matching address. I'd like to know for sure, how can I find out??
You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Silverdale and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the position with the conveyancing lawyer who conducted the conveyancing.
How simple is it to use your search app to locate a conveyancing lawyer in Silverdale on the panel for my bank?
First pick a mortgage company such as Nationwide Building Society, Barnsley Building Society or Aldermore then specify your location such as Silverdale. Conveyancing practices in Silverdale and further afield should be identified.
In scouring the internet for the words on line conveyancing in Silverdale it brings up numerous solicitorsin the area. How do I determine which is the suitable conveyancer for the sale of my house?
The ideal method of finding the right conveyancer is through a personal recommendation, so ask colleagues and family who have purchased a property in Silverdale or a reputable estate agent or mortgage broker. Charges for conveyancing in Silverdale differ, so it's sensible to obtain a minimum of four fee estimates from different conveyancers. Dont forget to clarify that the fees are fixed.
Planning to exchange soon on a basement flat in Silverdale. Conveyancing solicitors have said that they are sending me a report tomorrow. Are there areas in the report that I should be focusing on?
Your report on title for your leasehold conveyancing in Silverdale should include some of the following:
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Does the lease require carpeting throughout thus preventing wood flooring? Who has the liability to repair and maintain the building. It is important for you to know who is liable for the repair and maintenance of all parts of the block and communal areas Details of the parties to the lease, e.g. these could be the (you), superior lessor, freeholder Information concerning the obligations in the lease to pay service charges - in respect of the block, and the wider rights a leaseholder enjoys You should be informed what is to be regarded as a Nuisance in the lease
Silverdale Conveyancing for Leasehold Flats - Examples of Questions you should consider Prior to buying
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Best to be warned if redecorating or some other significant cost is pending to be shared amongst the leasehold owners and may well dramatically increase the the maintenance fees or necessitate a one off invoice. Who are the managing agents? Plenty Silverdale leasehold properties will have a service charge for the upkeep of the block invoiced by the freeholder. Where you purchase the flat you will have to meet this charge, usually periodically throughout the year. This may be anything from several hundred pounds to thousands of pounds for blocks with lifts and large communal areas. In all probability there will be a rentcharge for you to pay annual, ordinarily this is not a significant sum, say around £25-£75 but you need to check as on occasion it could be surprisingly expensive.
I need to review quotes for conveyancing in Silverdale from various property lawyer and appoint one. Am I right to instruct them to hold tight until I I have my bid accepted on a apartment.
We would recommend that you only get your lawyer to start work and submit searches after the sales memorandum has been sent by the estate agent especially as Silverdale conveyancing searches are costly.