It is a dozen years since I purchased my home in Bingley. Conveyancing solicitors have now been appointed on the sale but I am unable to find my title documents. Will this jeopardise the sale?
Don’t worry too much. Firstly there is a chance that the deeds will be retained by your lender or they may be archived with the solicitor who acted in the purchase. Secondly in most cases the land will be registered at the land registry and you will be able to establish that you own the property by your conveyancing solicitors procuring up to date copy of the land registers. Nearly all conveyancing in Bingley relates to registered property but in the unlikely event that your home is unregistered it is more problematic but is not insurmountable.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Bingley. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 17/6/2025, the requirements read as follows :
What does a local search inform me regarding the property we're buying in Bingley?
Bingley conveyancing often commences with the ordering local authority searches directly from your local Authority or through a personal search organisations for example Onsearch The local search plays a central role in most Bingley conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your new home. The search will reveal data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject headings.
I'm purchasing my first flat in Bingley benefiting from help to buy. The developers would not move on the price so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not inform my lawyer about this extras as it could put at risk my mortgage with Bank of Ireland. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Yesterday I discovered that there is a flying freehold element on a house I have offered on a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Bingley is where the house is located. What do you suggest?
Flying freeholds in Bingley are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Bingley you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Bingley may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I have been Googling for Bingley online conveyancing estimates. Can I be assured that all the Bingley firms that are identified on your site are on the mortgage company conveyancing panel?
The law firms listed on our site have assured us via an online form that they are on the mortgage company panel and agreed to advise us to take down their listing in the event of removal off of the lender panel. To date we have not been informed by either a lender or a member of the public that the data about a specific Bingley firm being on the mortgage company conveyancing panel is not accurate.