What is the first thing I need to know about purchase conveyancing in Silverdale?
Not many law firms or advisers will tell you this but conveyancing in Silverdale and elsewhere in Staffordshire is an adversarial experience. Put another way, when it comes to conveyancing there is lots of room for conflict between you and other parties involved in the home moving process. For example, the seller, estate agent and sometimes a lender. Appointing a lawyer for your conveyancing in Silverdale should not be taken lightly as your conveyancer is your adviser, and is the SOLE party in the legal process whose responsibility is to protect your best interests and to keep you safe.
We are witnessing a worrying creep of a "blame" culture- someone has to be at fault for the process being so protracted. We recommend that you must always trust your lawyer above all other players in the conveyancing process.
I am about to put a bid on a leasehold flat in Silverdale. The selling agents tell me that it is normal for flats in Silverdale to have less than 75 years unexpired on the lease. I am getting a loan with Virgin. Will the property be mortgageable given that the lease has Seventy One years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 27/6/2025 the requirements read as follows :
I am buying a detached bungalow in Silverdale. We would like to convert the garage to a playroom at the house.Will legal work on the property involve checks to ascertain if these works were previously refused?
Your solicitor will review the deeds as conveyancing in Silverdale can occasionally identify restrictions in the title documents which prevent certain changes or need the permission of a 3rd party. Some works call for local authority planning permissions and approval in accordance building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor prior to committing yourself to a purchase.
I am due to exchange contracts on my house. I had a double glazing fitted in October 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Lloyds are being a right pain. The Silverdale solicitor who is on the Lloyds conveyancing panel is saying indemnity insurance will be fine but Lloyds are requiring a building regulation certificate. Why do Lloyds have a conveyancing panel if they don't accept advice from them?
It is probably the case that Lloyds have referred the matter to their valuer. The reason why Lloyds may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Our offer on a house in Silverdale has been agreed to, but there is a chain. The owners have offered on on an apartment, however it’s not yet agreed to, and are looking at other apartments booked. I have instructed a high street conveyancing solicitor in Silverdale. What do I do now? At what point do I apply for the mortgage with TSB?
It is usual to have apprehensions where there is a chain as you are unlikely to want to incur costs too early (home loan application is approx £1k, then valuation, Silverdale conveyancing search charges, etc). First, you must check that your lawyer is on the TSB conveyancing panel. Regarding the next steps this very much dictated by the uniqueness of your case, desire for the property and on the state of the market. During a rising market many purchasers would apply for a home loan with TSB and pay for the valuation and only if it comes back ok would they pay their property lawyer to proceed with searches.
My friend suggested that where I am purchasing in Silverdale I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?
A search of this type is sometimes included in the estimate for your Silverdale conveyancing searches. It is not a small document of more than thirty pages, listing and detailing significant information about Silverdale around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Silverdale Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful data about Silverdale.
My wife and I own a semi-detached Georgian house in Silverdale. Conveyancing solicitor represented me and Virgin Money. I did a free Land Registry search last week and there are two entries: the first freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?
You need to assess the Freehold register you have again and check the Charges Register for 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 mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with the conveyancing practitioner who completed the work.
What does commercial conveyancing in Silverdale cover?
Silverdale conveyancing for business premises incorporates a wide array of guidance, supplied by regulated solicitors, relating to business property. For instance, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.