Do the conveyancing lawyers that you recommend conduct right to buy conveyancing in Harrow on the Hill?
We do have a variety of conveyancing specialists carrying out right to buy transactions Do get in touch with us with a view to secure a costs calculation.
Can your site be used to locate a Conveyancing solicitor in Harrow on the Hill even if I’m not purchasing or disposing of a house, for instance if I intend to acquire a shop in Harrow on the Hill with a mortgage from Godiva Mortgages Ltd?
Our search tool is primarily used to find domestic conveyancing solicitors in Harrow on the Hill but we have recorded towards the bottom of this page a few Harrow on the Hill commercial conveyancing firms. You will need to make contact with the company directly to see if they can also act for Godiva Mortgages Ltd
I am about to put an offer on a leasehold property in Harrow on the Hill. The selling agents say that it is standard for flats in Harrow on the Hill to have less than 75 years remaining. I am taking out a mortgage with The Mortgage Works. Is this going to be acceptable if the lease has Seventy One years left.
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. The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 7/6/2026 the requirements read as follows :
Where the unexpired lease term is different to that recorded on the mortgage offer, the following clarifies if we need to be informed:
Second hand property:
- If the unexpired lease term on the offer is 85 years or more - only advise us if the actual lease term is less than 85 years
- if the unexpired lease term on the offer is less than 85 years – advise us if the actual lease term is different than reported
- For equity share applications - advise us if the actual lease term is different than reported on the offer
New build property:
- If the unexpired lease term stated on the offer is 125 years (flat) / 250 years (house) or more - only advise us if the actual lease term is less than 125 years (flat) / 250 years (house)
- For equity share applications - always advise us if the actual lease term is different than reported on the offer
Lease terms such as ground rent and event fees must be reasonable at all times during the term of the lease and adhere to our requirements below. If you’re unsure as to whether the terms of a lease are unreasonable or onerous, please refer the details to us in plain English for Valuer consideration. If the potentially onerous terms are in relation to the ground rent please include the current ground rent figure per annum, how often it will be reviewed and the price structure it will be reviewed against. See the guidance below.
SECOND HAND PROPERTIES
Unacceptable - advise Issuing Office (Will be declined):
- Unexpired lease term less than 70 years
- Less than 30 years remaining at the end of the mortgage term
- Ground Rent greater than 0.5% of the property value
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI
- Ground Rent review period less than or equal to 5 years
Refer to Issuing Office (Valuer will consider any impact on valuation figure and marketability):
- Unexpired lease term is 70 to 85 years
- Ground Rent greater than 0.1% and less than or equal to 0.5% of the property value
- Ground Rent escalation is linked to any indices greater than RPI
- Ground Rent escalation is linked to the value of the building*
- Ground Rent review period is greater than 5 and less than 10 years
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 1.0% of property value p/a (please provide details of what the charges cover)
- Anything that appears onerous, unusual or out of the ordinary
Acceptable (no requirement to advise Issuing Office):
- Unexpired lease term greater than 85 years
- Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than or equal to 10 years
- Ground Rent escalation less than or equal to RPI
NEW BUILD PROPERTIES (includes office conversions)
Unacceptable - advise Issuing Office (will be declined):
- Unexpired lease term less than 125 years on a new build flat or less than 250 years on a new build house
- Any lease which is subject to a ground rent (or annual rent) being charged which is more than on a peppercorn basis
- Any lease which is subject to a ground rent (or annual rent) being reviewed and altered on any review basis or methodology
Refer to Issuing Office (Valuer will consider any impact on valuation figure and marketability):
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 1.0% of property value p/a (please provide details of what the charges cover)
- Anything else appears onerous, unusual or out of the ordinary
Acceptable (no requirement to advise Issuing Office):
- Unexpired lease term greater than or equal to 125 years on a new build flat or greater than or equal to 250 years on a new build house
- A lease subject to a peppercorn ground rent (annual rent) charges
For the avoidance of doubt, any new build properties completed but not sold pre 30 June 2022 will only be acceptable if the lease conforms to the above guidance
* Where the Ground Rent escalation is linked to the value of the building, please provide the following:
- How is the value of the block/unit currently calculated and if the assessment relates to the block(s), how is the Ground Rent calculated/apportioned per property?
- The current valuation and Ground Rent for each unit
- What is the mechanism for future valuations of the block and how is the Ground Rent calculated/apportioned?
- What is the right of appeal? And is this a documented process within the lease?
- Who bears the cost of the valuation (and appeal) process?
- Confirmation the review period is not less than twenty years
LEASE EXTENSIONS
We require all lease extensions to be completed under the Leasehold Reform Housing and Urban Development Act 1993 and to meet the above criteria as a minimum. Where you become aware that it does not meet these requirements, please refer to the Issuing Office
Please ensure that all lender enquiries are submitted (with full documentation/requirements) at least 2 weeks prior to exchange to allow sufficient time for review and decisioning.
I have been advised by my solicitor that chancel insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Harrow on the Hill?
The right level of chancel indemnity insurance should be dictated by who your lender. It would differ for example between Lloyds TSB Bank and Chelsea Building Society. Conveyancing practitioners as opposed to members of the public take out such insurances.
Nottingham have agreed my home loan in principle, my offer on a flat in Harrow on the Hill has been accepted, what happens next?
The property agent will want to be advised as to your property lawyer's details (make sure the conveyancers are on the bank’s approved list). Contact Nottingham or the financial adviser and complete any appropriate paperwork. Nottingham will sellect a valuer who will get in touch with the selling agent or owners to arrange a time for the valuation to take place. Once conducted (assuming no problems) it takes on average a fortnight to get a mortgage offer. Nottingham will issue the offer to you and your solicitors. The legal work will then take it’s course according the nature and complexity of the conveyancing in Harrow on the Hill.
At last I have had an offer on a maisonette in Harrow on the Hill accepted, the vendors do however have an associated purchase. The owners have offered on a property, but it’s not yet tied up, and have viewings of other flats in the pipeline. I have instructed a local conveyancing solicitor in Harrow on the Hill. What should be my next step? At what point do I apply for the mortgage with Yorkshire BS?
It is normal to have anxieties where there is a chain as you are unlikely to want to incur expenses too early (home loan application is in the region of one thousand pounds, then valuation, Harrow on the Hill conveyancing search charges, etc). First, you should check that your conveyancer is on the Yorkshire BS conveyancing panel. Regarding the subsequent phase this very much depends on the circumstances of your case, motivation for the property and on the state of the market. In a rising market some home buyers will apply for a home loan with Yorkshire BS and arrange for the valuation and only if it comes back ok would they pay their conveyancer to proceed with searches.
The deeds to our property can not be found. The solicitors who did the conveyancing in Harrow on the Hill 10 years ago no longer exist. What do I do?
Gone are the days when you need to hold title official documentation to establish that you are the owner of your registered land or property, as the Land Registry have everything they need in a digital format.
We are 17 days into a residential purchase having been referred to solicitors by the estate agent to handle our conveyancing in Harrow on the Hill. I am am extremely disappointed with the level of service. Can you help me find new conveyancers?
A solicitor would have to be very bad in order to consider diss instructing them. Has the mortgage been sent? In the event that it has you need to inform them of the new solicitor and ensure the offer are re-issued. Your conveyancer needs to be on the banks approved list to avoid escalating expenses and complications. So that should be your first question of the new conveyancers. Our find a solicitor tool can help you find a lender approved solicitor for your conveyancing in Harrow on the Hill