About to place a bid on a leasehold apartment in Stokenchurch. The property agents assure me that it is the norm for flats in Stokenchurch to have less than 75 years unexpired on the lease. I am getting a loan with Chelsea Building Society. Is this going to be a problem if the lease has 72 years remaining.
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. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 13/2/2026 the requirements read as follows :
This question may be naive but I am new to the process as FTB of a ground floor flat in Stokenchurch. Do I receive the keys to the property on the completion date from my lawyer? If this is the case, I will instruct a High Street conveyancing solicitor in Stokenchurch?
On the day of completion you will not be required to go to the conveyancers office in Stokenchurch. Your solicitors will transfer the purchase money to the owner’s conveyancers, and once they have received this, you will be able to receive the keys from the selling Agents and move into your new home. This tends to happen between 1 and 3pm.
We had chosen conveyancers based in Stokenchurch on the Lloyds solicitor approved list. They are now charging me an additional sum for the legal aspects of the Lloyds mortgage. Is this an additional conveyancing fee set by Lloyds?
As unfair as it may appear, as long as it’s in their Terms and Conditions or Quote then yes your conveyancing practitioner may levy a fee for this. This charge is not dictated by Lloyds but by your Stokenchurch conveyancer. Some firms on the Lloyds panel will quote ’dealing with mortgage’ fee and others do not.
My husband and I have arranged a further advance on our home loan from Nationwide as we wish to conduct improvements to our house in Stokenchurch. Are we obliged to appoint a high street Stokenchurch solicitor on the Nationwide conveyancing panel to deal with the legals?
Nationwide would not normally require a member of their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Nationwide list.
Are there restrictive covenants that are commonly picked up during conveyancing in Stokenchurch?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Stokenchurch. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How does conveyancing in Stokenchurch differ for new build properties?
Most buyers of new build premises in Stokenchurch come to us having been asked by the developer to sign contracts and commit to the purchase even before the premises is finished. This is because house builders in Stokenchurch usually acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Stokenchurch or who has acted in the same development.
I've recently found out that there is a flying freehold element on a property I have offered on last month in what was supposed to be a simple, no chain conveyancing. Stokenchurch is where the house is located. What do you suggest?
Flying freeholds in Stokenchurch are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Stokenchurch you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Stokenchurch may decide 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 property.
What are the compelling advantages to instructing a high street property lawyer in Stokenchurch
Plenty of house movers in Stokenchurch decide on using a local solicitor so that they can visit just in case they have questions, and to collect mortgage deeds without using the Royal Mail.
There is a marginal advantage in using a conveyancer nearby to the property you are purchasing, due to the knowledge of the locality and potential local concerns - however this is debatable. Many conveyancers are now via the internet and could be practically anywhere.