My IFA has requested my Margate solicitor’s panel member for the Lloyds conveyancing panel. What is the best way to find this out. I have tried my local Margate branch but they cant find it on their system.

You are best placed to get this information from your Margate solicitor . Most Margate conveyancing practices will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each bank.

We are about to exchange contracts for a leasehold flat in Margate. We encountered a problem. Our mortgage offer with Chelsea Building Society runs out on 10/2/2025 but the vendors are insisting on a completion date of 12/2/2025. Can one prolong the mortgage offer?

The person best placed to address this concern is your solicitors who is in a position to calculate whether they better off negotiating with the bank, seller’s representatives, property agents or conceivably all three given what has gone on in your transaction to date.

The estate agent has sent us the confirmation of our purchase of a new build apartment in Margate. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Here is a sample of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Margate

Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Forfeiture - bankruptcy or liquidation must not apply under this provision. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier?

I'm converting the mortgage on my existing home to a BTL loan with Leeds Building Society and I will use the ballance of the raised equity as a deposit on a second property. The neighborhood we are talking about is Margate. Will your lawyers be able to act for both sets of banks and link together the conveyances?

Make use of our search tool on this site to check that the conveyancers are approved by both mortgage companies. Having checked that they are the lawyer should be able to connect the two conveyancing matters but you should talk with you lawyer and specify your desired outcome and requirements.

Last August I purchased a leasehold property in Margate. Do I have any liability for service charges relating to a period prior to my ownership?

Where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Margate Conveyancing for Leasehold Flats - Examples of Questions you should consider Prior to buying

How is the lease structured? How much is the annual service fee and ground rent?