I have 7378 less than 75 years unexpired on my lease and need a lease extension for my apartment in Ruislip Gardens. Conveyancing solicitors on the Accord Mortgages panel can deal with such extensions correct?

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 2/3/2025 the requirements read as follows :

There are numerous conveyancing solicitors in Ruislip Gardens but how do I know who's good?

Do not opt for the lowest Ruislip Gardens conveyancing fees. You really do get what you’re paying for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in ahead of the deal.

Does a directory service exist listing Clydesdale panel solicitors in Ruislip Gardens on the Building Society Association’s Website?

Unfortunately not yet. There is no such facility on the Council of Mortgage Lenders or Building Society Association websites. Very few mortgage companies make their panel listings available online. Where you are in need of a Ruislip Gardens lawyer on the Clydesdale please make the most of our tool.

I can not fathom if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Ruislip Gardens building society branch on numerous occasions and was reassured it wasn't an issue and they will lend. My Ruislip Gardens conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they will not lend based on their published requirements. I have no idea who is right.

Provided that the lawyer is on the mortgage company approved list, they must comply with the Council of Mortgage Lenders’ Handbook conditions for the bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

I have been on the look out for a leasehold apartment up to £305k and identified one close by in Ruislip Gardens I like with open areas and railway links in the vicinity, however it only has 51 years on the lease. I can't really find anything else in Ruislip Gardens for this price, so just wondered if I would be making a mistake acquiring a short lease?

If you require a mortgage that many years will be problematic. Discount the price by the anticipated lease extension will cost if not already taken into account. If the existing owner has owned the property for at least twenty four months you may ask them to start the process of the extension and then assign it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should speak to your conveyancing solicitor regarding this.

Do I need to be wary that estate agents that I am dealing with are recommending a web based conveyancing firm as opposed to a local Ruislip Gardens conveyancing practice?

As with many service providers, often recommendations from relatives can be very helpful. Nevertheless there are lots of players in a conveyancing matter; estate agents, financial adviser and mortgage companies might all put forward conveyancers to retain. Sometimes the lawyers might be known to one of the organisations as experts in their field, but occasionally there exists a financial incentive behind the endorsement. You have the discretion to select your own lawyer. However, bear in mind that many banks specify a panel list of solicitors you have to use for the mortgage aspect of your house move.

After what seems like an age a mortgage agreement from a mortgage company for the refinancing of my 3 bedroom maisonette is expected any day now. Can you recommend a cheap remortgage conveyancing practitioner in Ruislip Gardens ?

This site is not designed to help in pursuit of a cheap conveyancing in Ruislip Gardens. Our aim is to provide value for money conveyancing but our intention is not to work with the cheapest lawyers. Resist the temptation to appoint brokers offering low cost conveyancing in Ruislip Gardens.At best, in going for cheap conveyancing, you will get what you pay for and at worst you will end up paying a lot in additional fee and still not get the service expected.