Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Hightown. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 28/10/2025, the requirements read as follows :
I currently have a mortgage with Aldermore for my property in Hightown. Conveyancing has been completed 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Aldermore?
Your original mortgage agreement with Aldermore will provide that you need their approval in advance of renting your property as this is likely to be a breach of Aldermore’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Aldermore directly. It should not be necessary to do this via a Aldermore conveyancing panel lawyer.
The formalities of my purchase has taken place for my property in Hightown. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
Santander have agreed my mortgage in principle, my offer on a apartment in Hightown has been accepted, what happens next?
The property agent will need to be advised as to your conveyancer's details (make sure the property lawyers are on the bank’s panel). Call up Santander or your financial adviser and complete any relevant documentation. Santander will instruct a valuer who will get in touch with the selling agent or seller to arrange a time for the valuation to occur. Once carried out (assuming no problems) it takes on average a week to get a mortgage offer. Santander will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Hightown.
Should our lawyer be asking questions regarding flooding as part of the conveyancing in Hightown.
The risk of flooding is if increasing concern for lawyers dealing with homes in Hightown. There are those who buy a house in Hightown, fully aware that at some time, it may be flooded. However, aside from the physical destruction, where a house is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or sell the premises. Steps can be carried out as part of the conveyancing process to forewarn the buyer.
Lawyers are not best placed to impart advice on flood risk, however there are a number of searches that can be initiated by the buyer or by their solicitors which can figure out the risks in Hightown. The conventional set of completed inquiry forms sent to a buyer’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a standard inquiry of the seller to find out if the property has historically flooded. In the event that flooding has previously occurred which is not notified by the owner, then a purchaser could commence a claim for damages resulting from an misleading response. A purchaser’s solicitors should also carry out an enviro search. This will higlight whether there is any known flood risk. If so, additional investigations should be initiated.
I've recently found out that there is a flying freehold issue on a property I have offered on last month in what should have been a straight forward, no chain conveyancing. Hightown is the location of the property. Can you offer any advice?
Flying freeholds in Hightown are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Hightown you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hightown may ascertain 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 property.
All being well we will complete the sale of our £350,000 flat in Hightown next week. The management company has quoted £420 for Certificate of Compliance, building insurance schedule and 3 years service charge statements. Is the landlord entitled to charge an administration fee for a leasehold conveyance in Hightown?
Hightown conveyancing on leasehold flats more often than not requires the purchaser’s conveyancer submitting enquiries for the landlord to address. Although the landlord is not legally bound to respond to these enquiries the majority will be content to do so. They may charge a reasonable charge for answering questions or supplying documentation. There is no set fee. The average costs for the information that you are referring to is £350, in some transactions it is in excess of £800. The administration charge required by the landlord must be accompanied by a summary of entitlements and obligations in respect of administration charges, otherwise the charge is not strictly payable. In reality one has little choice but to pay whatever is demanded if you want to complete the sale of your home.
I bought a 1st floor flat in Hightown, conveyancing was carried out half a dozen years ago. Can you please calculate a probable premium for a statutory lease extension? Equivalent flats in Hightown with an extended lease are worth £216,000. The ground rent is £50 yearly. The lease comes to an end on 21st October 2094
You have 69 years unexpired the likely cost is going to be between £9,500 and £11,000 as well as plus your own and the landlord's "reasonable" professional fees.
The figure above a general guide to costs for renewing a lease, but we are not able to advice on a more accurate figure in the absence of detailed investigations. You should not use this information in a Notice of Claim or as an informal offer. There are no doubt other concerns that need to be considered and you obviously should be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information without first getting professional advice.
My fiance and I are in the market for a quality conveyancing lawyer in Hightown to help me sell my place. I am aware of the risk of getting ripped off and there are various Hightown conveyancing organisations to pick from...who's the best?
The best tip when looking for a Hightown property lawyer is seek the advice from family or other professionals that you trust. Almost everyone has used a conveyancing lawyer at some point. Do utilise our comparison tool for Hightown conveyancing quotes