We had appointed conveyancing lawyers locally in Higher Kinnerton on the Co-operative solicitor approved list. They are now charging me a supplemental sum for handling the Co-operative mortgage. Is this an additional conveyancing fee set by Co-operative?

As unfair as it may seem, as long as it’s in their Terms of Engagement or estimate then yes your lawyer may charge a fee for this. This fee is not set by Co-operative but by your Higher Kinnerton solicitor. Plenty of firms on the Co-operative panel will charge ’dealing with mortgage’ fee but plenty of practices include it on their overall fee.

The formalities of my purchase has taken place for my property in Higher Kinnerton. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

I had an offer accepted on a house in Higher Kinnerton on 7/10/2025, valuation was booked 2 days later, all came back fine. Solicitor retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Clydesdale and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Clydesdale conveyancing panel. Are Clydesdale entitled to hold back the Mortgage pending the lawyer being on the approved list?

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.

Will commercial conveyancing searches reveal planned roadworks that may affect a commercial premises in Higher Kinnerton?

Many commercial conveyancing solicitors in Higher Kinnerton will order a SiteSolutions Highways report as it dramatically cuts the time that conveyancers invest in sourcing accurate data on highways that impact buildings and development assets in Higher Kinnerton. The search result sets out definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Higher Kinnerton.

For each commercial conveyancing transaction in Higher Kinnerton it is crucial to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been dealt with adequately could result in delays to Higher Kinnerton commercial conveyancing deals as well as pose a risk to future intentions for the site. These searches are not carried out for residential conveyancing in Higher Kinnerton.

Just bought a semi-detached house in Higher Kinnerton , how long will it take for the Land Registry to register my ownership? My Higher Kinnerton conveyancing solicitor has been very slow, so I want to be sure the post completion formalities are dealt with.

There is nothing unique about conveyancing in Higher Kinnerton registration formalities. As opposed to being determined by geographic area, timescales can differ depending on who lodges the application, whether there are errors and if the Land registry must send notices to any third parties. At present roughly three quarters of submission are completed within two weeks but occasionally there can be protracted delays. Historically registration occurs once the buyer has moved in to the property so an expedited registration is not always top priority but if it is urgent that the the registration takes place urgently then you or your solicitor can contact the land registry and explain the circumstances.

Due to the encouragement of my in-laws I had a survey completed on a house in Higher Kinnerton before appointing conveyancers. I have been advised that there is a flying freehold overhang to the house. My surveyor advised that some banks will not issue a mortgage on a flying freehold property.

It varies from the lender to lender. HSBC has different instructions from Nationwide. Should you wish to telephone us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Higher Kinnerton. Conveyancing may be slightly more expensive based on your lender's requirements.

I am in need of some leasehold conveyancing in Higher Kinnerton. Before I get started I want to be sure as to the remaining lease term.

If the lease is recorded at the land registry - and almost all are in Higher Kinnerton - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

I acquired a studio flat in Higher Kinnerton, conveyancing formalities finalised March 2006. Can you let me have an estimated range of the fair premium for a lease extension? Similar flats in Higher Kinnerton with over 90 years remaining are worth £176,000. The ground rent is £50 yearly. The lease expires on 21st October 2105

With just 80 years remaining on your lease we estimate the price of your lease extension to range between £8,600 and £9,800 as well as plus your own and the landlord's "reasonable" professional fees.

The suggested premium range that we have given is a general guide to costs for extending a lease, but we are not able to provide the actual costs without more detailed due diligence. Do not use this information in a Notice of Claim or as an informal offer. There are no doubt additional issues that need to be considered and clearly you want to be as accurate as possible in your negotiations. You should not take any other action based on this information without first seeking the advice of a professional.