About to place an offer on a leasehold apartment in Noak Hill. The estate agents tell me that it is standard for flats in Noak Hill to have less than 75 years left on the lease. I am taking out a loan with Bank of Ireland. Will the property be mortgageable given that the lease has 72 years left.

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. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 11/1/2026 the requirements read as follows :

Various internet forums that I have frequented warn that are the main cause of stalling in Noak Hill house deals. Is this right?

The Council of Property Search Organisations (CoPSO) published findings of a review by MoveWithUs that conveyancing searches do not feature within the most frequent causes of hindrances during the legal transfer of property. Local searches are unlikely to be the root cause of delay in conveyancing in Noak Hill.

I own a 4 bedroom Georgian property in Noak Hill. Conveyancing practitioner represented me and The Mortgage Works. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, another for leasehold with the exact same property. Is it worth asking The Mortgage Works to clarify?

You should read the Freehold register you have again and check the Charges Register for 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 Noak Hill and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with your conveyancing lawyer who carried out the work.

Do you have any advice for leasehold conveyancing in Noak Hill with the aim of expediting the sale process?

• A significant proportion of the delay in leasehold conveyancing in Noak Hill can be reduced if you instruct lawyers the minute your agents start advertising the property and request that they start to collate the leasehold documentation needed by the buyers’ solicitors.
If you are supposed to have a share in the Management Company, you should make sure that you have the original share document. Arranging a duplicate share certificate is often a lengthy process and delays many a Noak Hill conveyancing deal. If a new share is required, you should approach the company officers or managing agents (where relevant) for this as soon as possible. If there is a history of conflict with your freeholder or managing agents it is essential that these are settled before the property is marketed. The buyers and their solicitors will be reluctant to purchase a flat where there is a current dispute. You may need to swallow your pride and pay any arrears of service charge or resolve the dispute prior to completion of the sale. It is therefore preferable to have any dispute settled prior to the contract papers being issued to the buyers’ solicitors. You will still have to reveal particulars of the dispute to the purchasers, but it is better to present the dispute as over as opposed to unresolved. In the event that you altered the property did you need the Landlord’s consent? In particular have you installed wooden flooring? Most leases in Noak Hill state that internal structural alterations or installing wooden flooring necessitate a licence from the Landlord approving such works. If you dont have the consents to hand do not contact the landlord without contacting your solicitor before hand.

After years of negotiations we cannot agree with our landlord on how much the lease extension should cost for our flat in Noak Hill. Can we issue an application to the Residential Property Tribunal Service?

in cases where there is a missing freeholder or if there is dispute about the premium for a lease extension, under the Leasehold Reform, Housing and Urban Development Act 1993 it is possible to make an application to the Leasehold Valuation Tribunal to determine the premium.

An example of a Lease Extension matter before the tribunal for a Noak Hill residence is 37 Lodge Court High Street in November 2013. the decision of the LVT was that the premium to be paid for the new lease was £25,559 This case related to 1 flat. The unexpired lease term was 57.5 years.

One month into purchasing a house in Noak Hill. Conveyancing lawyer has phoned to say the property is "Leasehold". Does this make a difference on our mortgage valuation?

Noak Hill conveyancing does not ordinarily involve leasehold houses. The main factor here is the length of lease and the ground rent. If there are over a hundred years remaining with a nominal rent, it's almost the same as freehold, so it shouldn't impact the marketability significantly.

At the other end of the spectrum, if it's, say, 50 years it will have a material impact on the saleability, and most likely wouldn't be mortgageable. The remaining lease term and ground rent will be set out in the lease to be supplied to your property lawyer.