I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Withernsea. 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 moved into my house on 1 June and my personal details is not yet registered. Any reason for this? My conveyancing solicitor in Withernsea said it will be dealt with in less than a month. Are properties in Withernsea uniquely lengthy to register?

As far as conveyancing in Withernsea registration is no quicker or slower than the rest of England and Wales. Rather than based on location, timeframes can vary according to who lodges the application, whether there are errors and if the Land registry communicate with any third persons or bodies. Currently in the region of three quarters of such applications are fully dealt with in less than three weeks but occasionally there can be extensive delays. Historically registration occurs once the purchaser has moved in to the premises thus 'speed' is not always an essential issue yet where it is urgent that the the registration takes place urgently then you or your solicitor can speak with the land registry and explain the circumstances.

I am looking for a ground for flat up to £305k and identified one close by in Withernsea I like with open areas and station nearby, however it's only got 51 years on the lease. I can't really find anything else in Withernsea for this price, so just wondered if I would be making a grave error purchasing a short lease?

If you need a home loan the remaining unexpired lease term will likely be problematic. Discount the price by the expected lease extension will cost if it has not already been discounted. If the current owner has owned the property for at least 2 years you could request that they start the process of the extension and pass it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this matter.

We're new on the property ladder - agreed a price, but the selling agent told us that the vendor will only proceed if we appoint their recommended conveyancers as they need an ‘expedited deal’. We would rather use a local conveyancer who is familiar with conveyancing in Withernsea

It is highly unlikely the owners are driving this. Should the vendor require ‘a quick sale', turning down a serious purchaser is is going to put the whole deal at risk. Bypass the agents and go straight to the sellers and make the point that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you do not need to sell (d) you intend to proceed fast (e)however you will continue to instruct your preferred Withernsea conveyancing lawyers - not the ones that will give the estate agent a commission or hit his conveyancing figures set by head office.

What is the average legal costs for conveyancing in Withernsea?

The average cost in 2014 for conveyancing in Withernsea was just over one thousand four hundred and fifty pounds not including SDLT and HM Land Registry fees.