I am expecting a mortgage with Halifax. I would like to instruct a Licensed Conveyancer in Uttoxeter. Does the Halifax Solicitor panel exclude conveyancers regulated by the CLC?

The Halifax conveyancing panel is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

Despite weeks of looking the Title Certificate and documents to my home are lost. The conveyancers who did the conveyancing in Uttoxeter 5 years ago are no longer around. Will I be able to sell the house?

These day there are duplicates made of almost everything, and your solicitor will know precisely where to locate all the relevant documentation so you may purchase or sell your property without any difficulty. If copies are not available, your lawyer may be able to put in place insurance or indemnities against possible claims on your premises.

The estate agent has sent us the confirmation of our purchase of a new build apartment in Uttoxeter. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.

Set out below is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Uttoxeter

Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore.

Over the last few months I have been searching for a flat up to £235,500 and identified one round the corner in Uttoxeter I like with amenity areas and station in the vicinity, the downside is that it only has 49 years unexpired on the lease. I can't really find anything else in Uttoxeter for this price, so just wondered if I would be making a mistake buying a short lease?

If you need a home loan that many years may be problematic. Reduce the offer by the amount the lease extension will cost if it has not already been discounted. If the existing proprietor has owned the property for at least twenty four months you can ask them to start the process of the extension and pass it to you. You can add 90 years to the current lease term with a zero ground rent applied. You should consult your conveyancing solicitor about this matter.

I have just started marketing my basement flat in Uttoxeter. Conveyancing solicitors are to be appointed soon, however I have recently received a half-yearly maintenance charge invoice – Do I pay up?

The sensible thing to do is clear the invoice as normal because all ground rent and maintenance charges will be allotted as part of the financial calculations for completion monies, so you should recover the relevant percentage by the purchaser for the period running from after the completion date to the subsequent invoice date. Most management companies will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

Uttoxeter Conveyancing for Leasehold Flats - Examples of Questions you should consider Prior to buying

The prefered form of lease arrangement is a share of the freehold. In this situation the leaseholders have control and although a managing agent is often retained where it is larger than a house conversion, the managing agent is directed by the tenants. Does the lease have onerous restrictions?