Our conveyancer has identified a a legal deficiency with the lease for the flat we are purchasing in Little Hulton. The other side have suggested title insurance as a solution. We are content with insurance and will pay for it. Our solicitor has advised that he must ensure that the mortgage company is willing to move forward with this solution. Are we the client or is the bank?
The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the lender are the client. Your lawyer must comply with the UK Finance Lenders’ Handbook provisions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the mortgage company can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your solicitor will have no choice but to discontinue acting for you.
Completed the sale of my flat in Little Hulton last January but the buyer keeps e-mailing every few hours to say his solicitor needs to hear from mine. What should my lawyer have done now that I have sold?
Following your sale your solicitor is duty bound to deliver the transfer deeds and all of the paperwork to the purchaser's conveyancer. Where appropriate, your conveyancer should also confirm that the legal charge in favour of the lender has been repaid to the buyers solicitors. There are no post completion formalities unique to conveyancing in Little Hulton.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Little Hulton. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 3/10/2026, the requirements read as follows :
Over the last few months I have been searching for a flat up to £245,000 and identified one round the corner in Little Hulton I like with open areas and transport links nearby, the downside is that it's only got 61 years unexpired on the lease. I can't really find anything else in Little Hulton for this price, so just wondered if I would be making a grave error buying a lease with such few years left?
Should you require a mortgage the remaining unexpired lease term will likely be problematic. Discount the offer by the expected lease extension will cost if it has not already been discounted. If the existing proprietor has owned the premises for at least 2 years you may request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing solicitor concerning this matter.
What does commercial conveyancing in Little Hulton cover?
Little Hulton conveyancing for business premises incorporates a broad array of advice, offered by regulated solicitors, relating to business premises. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of tenancies.
I am employed by a busy estate agent office in Little Hulton where we see a few leasehold sales put at risk due to leases having less than 80 years remaining. I have received inconsistent advice from local Little Hulton conveyancing solicitors. Can you clarify whether the owner of a flat can instigate the lease extension process for the purchaser on completion of the sale?
As long as the seller has been the owner for at least 2 years it is possible, to serve a Section 42 notice to kick-start the lease extension process and assign the benefit of the notice to the purchaser. This means that the proposed purchaser can avoid having to sit tight for 2 years to extend their lease. Both sets of lawyers will agree to form of assignment. The assignment needs to be completed prior to, or simultaneously with completion of the disposal of the property.
An alternative approach is to agree the lease extension with the freeholder either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the purchaser.
I purchased a split level flat in Little Hulton, conveyancing formalities finalised January 2009. Can you shed any light on how much the price could be for a 90 year extension to my lease? Corresponding flats in Little Hulton with a long lease are worth £201,000. The ground rent is £45 levied per year. The lease finishes on 21st October 2091
With 65 years remaining on your lease we estimate the premium for your lease extension to be between £13,300 and £15,400 plus legals.
The suggested premium range that we have given is a general guide to costs for extending a lease, but we cannot give you the actual costs without more comprehensive due diligence. Do not use the figures in tribunal or court proceedings. There may be additional concerns that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information before seeking the advice of a professional.