I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Steyning. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 14/1/2026, the requirements read as follows :
I am buying a detached bungalow in Steyning. The intention is to carry out a loft conversion at the house.Will legal conveyancing on the property involve investigations to determine if these works are prohibited?
Your property lawyer will review the registered title as conveyancing in Steyning can on occasion identify restrictions in the title deeds which restrict certain changes or require the permission of another owner. Many additions need local authority planning consent and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.
My solicitor has informed me that restrictive coveneant insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Steyning?
The right level of restrictive coveneant indemnity insurance depends on who your lender is. It would differ for example between Santander and Norwich and Peterborough Building Society. Conveyancing solicitors as opposed to borrowers take out such insurances.
When it comes to mortgage companies such as Kent Reliance, do Steyning lawyers incur an annual charge to be on the conveyancing panel?
We are not aware of any lender fees to register on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.
I require expedited conveyancing in Steyning as I have pressure to exchange contracts inside 4 weeks. A home loan is not required. Is it possible to avoid the conveyancing searches to save money and time?
As you are not taking a home loan you are at liberty not to do searches although no law firm would advise that you don't. Drawing on years of experience of conveyancing in Steyning the following are examples of issues that can appear and therefore affect future mortgageability: Refused Planning Applications, Overdue Charges, Outstanding Grants, Road Schemes,...
I own a renovated Victorian property in Steyning. Conveyancing practitioner represented me and Chelsea Building Society. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold under the exact same address. Is it worth asking Chelsea Building Society to clarify?
You need to review 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Steyning and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the situation with your conveyancing solicitor who conducted the conveyancing.
Due to the input of my in-laws I had a survey completed on a house in Steyning before instructing solicitors. I have been informed that there is a flying freehold element to the property. Our surveyor advised that some banks may refuse to grant a loan on such a house.
It depends who your proposed lender is. HSBC has different instructions for example to Birmingham Midshires. If you call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Steyning. Conveyancing may be slightly more expensive based on your lender's requirements.
Expecting to sign contracts shortly on a ground floor flat in Steyning. Conveyancing solicitors inform me that they will have a report out to me next week. What should I be looking out for?
Your report on title for your leasehold conveyancing in Steyning should include some of the following:
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Whether your lease caters for for a reserve fund? Responsibility to repair and maintain the block. It is essential that you know who is responsible the repair and maintenance of all parts of the block and estate Whether the landlord has obligations to ensure rights of quiet enjoyment over your property and do you know what it means in practice? Does the lease prohibit wood flooring? Advice as to the provision in the lease to pay service charges - with regard to both the building, and the more general rights a tenant has
Steyning Leasehold Conveyancing - A selection of Questions you should ask Prior to buying
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Are there any major works anticipated that will likely increase the maintenance costs? Where a Steyning lease has no more than 80 years it will affect the salability of the property. It is worth checking with your mortgage company that they are content with residual term of the lease. A short lease means that you will most likely need a lease extension at some point and it is worth finding out how much this will be. For most Steyninglease extensions you would need to own the residence for 24 months before you are legally able to exercise a lease extension.