Our lawyer has identified a a legal deficiency with the lease for the flat we are purchasing in Kirk Ella. The other side have put forward defective title insurance as a solution. We are content with insurance and will pay for it. Our conveyancer has advised that he must check that the mortgage company is content with this solution. Who is the client here, us or the lender?

Notwithstanding that you have a mortgage offer from the bank does not mean to say that the property will meet their specifications for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook requirements. You and the lender are the client. The appropriate lender provisions have to be complied with.

Can you clarify what the consequences are if my solicitor is expelled from the TSB Conveyancing panel ahead of completing my conveyancing in Kirk Ella?

First, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have to instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by a regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.

I am helping my aunt sell her flat in Kirk Ella. Does the conveyancing solicitor commission the energy performance certificate or it is for the owner to coordinate?

After the abolition of Home Information Packs, energy assessments became a compulsory element of selling a property. An EPC needs to be commissioned in advance of the property being placed on the market. This is not something that lawyers normally arrange. Where you are instructing a Kirk Ella conveyancing practitioner they may be willing to arrange energy performance certificates due to their relationships with long established local accredited person

Is it the case that all Kirk Ella solicitor practices on the Skipton conveyancing panel are regulated by the SRA?

As solicitors, in order to be on the Skipton approved list of solicitors they would need to be governed by the SRA. Many banks do allow licenced conveyancers on their panel and in that case the firms would be governed by the CLC.

My offer was accepted on a property in Kirk Ella on 21/8/2025, valuation was booked 3 days later, all came back fine. Solicitor appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Lloyds and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Lloyds conveyancing panel. Are Lloyds entitled to hold back the Mortgage pending the lawyer being on the approved list?

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

I am on look out for some leasehold conveyancing in Kirk Ella. Before diving in I want to be sure as to the remaining lease term.

Assuming the lease is registered - and 99.9% are in Kirk Ella - then the leasehold title will always include the basic details 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 own a 1 bedroom flat in Kirk Ella, conveyancing was carried out 6 years ago. Can you give me give me an indication of the likely cost of a lease extension? Comparable flats in Kirk Ella with an extended lease are worth £176,000. The average or mid-range amount of ground rent is £50 yearly. The lease expires on 21st October 2105

You have 80 years left to run the likely cost is going to be between £8,600 and £9,800 as well as plus your own and the landlord's "reasonable" professional fees.

The figure that we have given is a general guide to costs for extending a lease, but we cannot give you the actual costs in the absence of comprehensive due diligence. You should not use the figures in a Notice of Claim or as an informal offer. There may be additional concerns that need to be taken into account and you obviously should be as accurate as possible in your negotiations. Neither should you move forward placing reliance on this information without first seeking the advice of a professional.

My partner is buying a leasehold maisonette in Kirk Ella. Conveyancing quotes are coming in at around £two thousand. Is that reasonable?

The average fee in 2014 for conveyancing in Kirk Ella was £1,419 excluding Land Tax and Land Registry fees.