Our solicitor has identified a a problem with the lease for the flat we are purchasing in Ellesmere Port. The seller’s lawyers have put forward title insurance as a solution. We are content with insurance and will pay for it. Our conveyancing practitioner has advised that he must check that the lender is happy with this solution. Are we the client or is the bank?

Even though you have a mortgage offer from the mortgage company 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 mortgage company are the client. These conveyancing instructions must be adhered to.

What does a local search reveal about the property we're buying in Ellesmere Port?

Ellesmere Port conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search company for example Onsearch The local search plays a central part in many a Ellesmere Port conveyancing purchase; as long as you don’t want any unpleasant once you have moved into your property. The search should supply information on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen topic headings.

I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a quick, chain free conveyancing. Ellesmere Port is the location of the property. Can you shed any light on this issue?

Flying freeholds in Ellesmere Port are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Ellesmere Port you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Ellesmere Port may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

In my capacity as executor for the will of my aunt I am disposing of a residence in Cardiff but live in Ellesmere Port. My conveyancer (who is 200 kilometers awayrequires that I sign a statutory declaration ahead of the transaction finalising. Can you recommend a conveyancing practitioner in Ellesmere Port to attest and place their company stamp on the document?

strictly speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will suffice regardless of whether they are Ellesmere Port based

I've found a house that appears to tick a lot of boxes, at a reasonable price which is making it more attractive. I have just discovered that the title is leasehold as opposed to freehold. I am assuming that there are particular concerns purchasing a leasehold house in Ellesmere Port. Conveyancing lawyers have are soon to be instructed. Will they explain the issues?

The majority of houses in Ellesmere Port are freehold and not leasehold. This is one of the situations where having a local conveyancer who is familiar with the area who can assist with the conveyancing process. It is clear that you are buying in Ellesmere Port in which case you should be looking for a Ellesmere Port conveyancing solicitor and be sure that they have experience in dealing with leasehold houses. First you will need to check the unexpired lease term. As a lessee you will not be at liberty to do whatever you want with the house. The lease comes with conditions such as obtaining the landlord’spermission to carry out alterations. It may be necessary to pay a contribution towards the upkeep of the communal areas where the property is located on an estate. Your lawyer should advise you fully on all the issues.

Ellesmere Port Conveyancing for Leasehold Flats - A selection of Questions you should ask before Purchasing

How much is the annual maintenance fee and ground rent? Does the lease have onerous restrictions? How long is the Lease?