Last July we completed a house move in Spalding. We have noticed several problems with the house which we consider were overlooked in the conveyancing searches. What action can we take? What searches should? have been conducted for conveyancing in Spalding?
It is not clear from the question as to the nature of the problems and if they are relate to conveyancing in Spalding. Conveyancing searches and due diligence undertaken during the buying process are carried out to help avoid problems. As part of the legal transfer of property, the vendor completes a form called a Seller’s Property Information Form. If the information ends up being incorrect, you could possibly take legal action against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Spalding.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Spalding. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 11/11/2025, the requirements read as follows :
We had selected conveyancers locally in Spalding on the Co-operative solicitor panel. They have just invoiced me a further fee for handling the Co-operative mortgage. Is this a supplemental conveyancing fee specified by Co-operative?
As unfair as it may seem, as long as it’s in their Terms and Conditions or Quote then yes your conveyancer can levy a fee for this. The charge is not dictated by Co-operative but by your Spalding property lawyer. Numerous firms on the Co-operative panel will quote an ‘acting for lender’ fee and others do not.
I am currently in the process of buying my council flat in Spalding. I have a mortgage agreed with Yorkshire BS. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Yorkshire BS, you will need to appoint a solicitor on the Yorkshire BS conveyancing panel.
I have a mortgage with Bank of Ireland for my property in Spalding. Conveyancing has been completed months ago. In the event that I decide 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 Bank of Ireland?
Your original mortgage agreement with Bank of Ireland will provide that you need their approval prior to letting out your property as this is likely to be a breach of Bank of Ireland’s mortgage conditions. It may be that Bank of Ireland will allow you to rent 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 Bank of Ireland directly. It should not be necessary to do this via a Bank of Ireland conveyancing panel lawyer.
I've recently found out that there is a flying freehold element on a house I put an offer in last month in what should have been a quick, chain free conveyancing. Spalding is the location of the property. Is there any advice you can give?
Flying freeholds in Spalding are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Spalding you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Spalding may determine 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 premises.
In my capacity as executor for the estate of my grandmother I am selling a residence in Monmouth but I am based in Spalding. My conveyancer (who is 235 miles from meneeds me to sign a stat dec ahead of the transaction finalising. Could you suggest a conveyancing solicitor in Spalding who can attest this legal document for me?
Technically speaking you are not likely to need to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or solicitor will suffice regardless of whether they are located in Spalding
I've recently bought a leasehold flat in Spalding. Am I liable to pay service charges relating to a period prior to completion of my purchase?
In a situation where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to ensure 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).
Spalding Conveyancing for Leasehold Flats - A selection of Questions you should ask Prior to Purchasing
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In the main the outlay for major works are not incorporated into the service charges, although there some managing agents in Spalding obliged leaseholders to contribute towards a sinking fund created for the specific purpose of establishing a fund for larger works. This question is helpful as a) areas may cause problems for the block as the common areas may begin to deteriorate if repairs remain unpaid b) if the leaseholders have a dispute with the managing agents you will wish to know about it