Our solicitor has discovered a defect with the lease for the apartment we are purchasing in Englefield Green. The other side have offered title insurance as a workaround. We are content with insurance and will pay for it. Our lawyer says that he must ensure that the bank is happy with this solution. Are we the client or is the lender?

Regardless of the fact 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 mortgage company are the client. The appropriate lender conditions must be adhered to.

I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Englefield Green. My lender is Chelsea Building Society

Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 13/12/2024, the requirements read as follows :

I have been on the look out for a flat up to £305k and found one near me in Englefield Green I like with amenity areas and station in the vicinity, however it only has 51 years on the lease. I can't really find anything else in Englefield Green suitable, so just wondered if I would be making a grave error purchasing a short lease?

Should you need a mortgage the shortness of the lease may be problematic. Reduce the offer by the anticipated lease extension will cost if not already taken into account. If the existing proprietor has owned the property for a minimum of 2 years you can request that they commence the lease extension formalities and then assign it to you. An additional ninety years can be extended on to the existing lease with a zero ground rent applied. You should speak to your conveyancing solicitor about this matter.

What does commercial conveyancing in Englefield Green cover?

Englefield Green conveyancing for business premises covers a broad array of guidance, offered by regulated solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the assignment of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.

A licensed conveyancer acted on my conveyancing in Englefield Green half a dozen years ago having archived my registration documents but has since been shut down – What can I do to retreive them?

Title deeds, as such, no longer exist as most homes in Englefield Green are registered electronically at Land Registry. If you need to show ownership or are disposing of or refinancing your solicitor should obtain up to date copies of the register from the Land Registry in any case.

If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.