Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Messingham. My lender is Chelsea Building Society

Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 11/9/2025, the requirements read as follows :

Various internet forums that I have frequented warn that are the main cause of delay in Messingham house deals. Is that correct?

The Council of Property Search Organisations (CoPSO) released findings of a review by MoveWithUs that conveyancing searches do not figure amongst the most frequent causes of hindrances during the legal transfer of property. Searches are unlikely to be the root cause of slowing down conveyancing in Messingham.

About to purchase a new build flat in Messingham. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here are examples of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Messingham

Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Forfeiture - bankruptcy or liquidation must not apply under this provision. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. 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.

I opted to have a survey carried out on a property in Messingham prior to retaining lawyers. I have been advised that there is a flying freehold element to the property. The surveyor has said that some mortgage companies may refuse to grant a loan on this type of home.

It depends who your proposed lender is. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to call us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Messingham. Conveyancing will be smoother if you use a solicitor in Messingham especially if they regularly deal with such properties in Messingham.

Planning to exchange soon on a ground floor flat in Messingham. Conveyancing solicitors inform me that they are sending me a report on Monday. What should I be looking out for?

The report on title for your leasehold conveyancing in Messingham should include some of the following:

You should have a good understanding of the insurance requirements Defining your rights in respect of common areas in the block.For instance, does the lease provide for a right of way over an accessway or hallways? The landlord’s rights to access the premises. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided. Are you allowed to have a pet in the flat?

Leasehold Conveyancing in Messingham - Sample of Questions you should ask Prior to buying

Many Messingham leasehold flats will have a service charge for the upkeep of the block invoiced by the landlord. Should you acquire the flat you will have to pay this amount, usually periodically during the year. This can vary from a few hundred pounds to thousands of pounds for blocks with lifts and large common areas. There will also be a ground rent for you to pay annual, ordinarily this is not a large figure, say approximately £50-£100 but you need to enquire as on occasion it could be prohibitively expensive. Best to be warned whether redecorating or some other significant cost is due shortly to be shared amongst the leasehold owners and may well materially increase the the service costs or necessitate a one time payment. Is the freehold owned collectively by the tenants?