Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Meltham. My lender is The Mortgage Works

The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 22/1/2025, the requirements read as follows :

I used Action Conveyancing several years ago for my conveyancing in Meltham. I now require my file however the law firm has closed. What do I do?

You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Meltham of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

I decided to have a survey completed on a property in Meltham prior to instructing lawyers. I have been informed that there is a flying freehold overhang to the house. Our surveyor advised that some lenders will not give a loan on such a home.

It depends who your proposed lender is. Santander has different requirements from Birmingham Midshires. Should you wish to call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Meltham. Conveyancing will be smoother if you use a solicitor in Meltham especially if they are familiar with such properties in Meltham.

We are 14 days into a residential purchase having been referred to solicitors by the estate agent to handle our conveyancing in Meltham. I am am starting to be disappointed with the level of service. Could you you assist me in finding new solicitors?

They would have to be really poor to suggest changing them. Has your loan offer been generated? If so you must make them aware of the new contact details and have the mortgage documents are issued to the new lawyers. Your solicitor ideally should be on the mortgage company approved list to avoid supplemental costs and frustration. That should be your first question of the new conveyancers. The find a solicitor tool can assist you in finding a bank approved conveyancer for your home move in Meltham

Our conveyancer has advised that he intends to complete and exchange simultaneously on our sale of a £275,000 garden flat in Meltham next Thursday. The managing agents has quoted £372 for Certificate of Compliance, building insurance schedule and 3 years statements of service charge. Is the landlord entitled to charge such fees for a leasehold conveyance in Meltham?

Meltham conveyancing on leasehold apartments usually requires the purchaser’s lawyer sending enquiries for the landlord to answer. Although the landlord is under no legal obligation to answer these enquiries the majority will be content to assist. They are at liberty to levy a reasonable administration fee for answering questions or supplying documentation. There is no set fee. The average costs for the paperwork that you are referring to is over three hundred pounds, in some transactions it exceeds £800. The management information fee invoiced by the landlord must be sent together with a summary of rights and obligations in relation to administration fees, without which the charge is technically not due. Reality however dictates that one has no option but to pay whatever is requested of you if you want to sell the property.

Leasehold Conveyancing in Meltham - Sample of Queries before buying

How much is the yearly maintenance fee and ground rent? Best to be warned if window replacement or some other major work is pending that will be shared between the leaseholders and may well materially impact the level of the maintenance costs or result in a specific payment. It would be wise to discover if the the lease includes any adverse restrictions in the lease. For instance some leases prohibit pets being permitted in in a block in Meltham. If you like the apartmentin Meltham however your cat is not allowed to live with you then you will be presented with a hard choice.