I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Biggleswade. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 7/12/2025, the requirements read as follows :
This question may be naive but I am new to the home buying as FTB of a two bedroom flat in Biggleswade. Do I collect the keys to the property on the completion date from my lawyer? If so, I will instruct a local conveyancing solicitor in Biggleswade?
On the day of completion you will not be required to go to the conveyancers office in Biggleswade. Your solicitors will arrange to send the purchase money to the seller's conveyancers, and once they have received this, you will be able to pick up the keys from the Estate Agents and move into your new home. This tends to happen between 1 and 3pm.
Are all Biggleswade Conveyancing Quality Solicitors on the UBS conveyancing list of approved firms?
Some major banks and building societies now use the accreditation scheme as the kick off point for Panel membership such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for solicitors wishing to remain on their approved list of conveyancing solicitors.
I had a mortgage agreed in principle with RBS. Biggleswade conveyancing solicitors were appointed. How long does it take for RBS to forward the offer to the solicitor?
There is no definitive answer here. Have RBS completed the survey? Have you informed RBS as to your lawyers' details and checked that your lawyers are on the RBS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Do I need to take out insurance to cover chancel repairs when acquiring a property in Biggleswade?
Unless a previous acquisition of the house completed post 12 October 2013 you may assume that solicitors handling conveyancing in Biggleswade to continue to advocate a chancel search and or chancel repair liability policy.
I'm buying a new build house in Biggleswade with a mortgage from Santander. The sellers would not budge the amount so I negotiated 6k of fixtures and fittings instead. The property agent suggested that I not to tell my lawyer about this extras as it may affect my mortgage with the lender. Do I keep my lawyer in the dark?.
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.
Can you provide any top tips for leasehold conveyancing in Biggleswade with the intention of expediting the sale process?
- Much of the delay in leasehold conveyancing in Biggleswade can be avoided where you instruct lawyers the minute your agents start marketing the property and ask them to collate the leasehold documentation which will be required by the purchasers’ representatives. If you have carried out any alterations to the premises would they have required Landlord’s permission? In particular have you laid down wooden flooring? Most leases in Biggleswade state that internal structural alterations or installing wooden flooring calls for a licence issued by the Landlord consenting to such alterations. Where you dont have the approvals in place do not communicate with the landlord without checking with your solicitor in the first instance. You may think that you are aware of the number of years remaining on your lease but it would be wise to verify this via your solicitors. A purchaser's lawyer will not be happy to advise their client to where the lease term is less than 80 years. It is therefore essential at an as soon as possible that you identify whether the lease term requires a lease extension. If it does, contact your solicitors before you put your premises on the market for sale. If you have the benefit of shareholding in the Management Company, you should ensure that you have the original share certificate. Arranging a replacement share certificate is often a time consuming process and frustrates many a Biggleswade conveyancing deal. If a new share certificate is needed, you should approach the company officers or managing agents (if applicable) for this at the earliest opportunity.
Biggleswade Leasehold Conveyancing - Sample of Questions you should ask before buying
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Does the lease include onerous restrictions? Is there a share of the freehold?
Is it true that a Biggleswade conveyancing firm has court proceedings brought against them by a client for failing to conduct the appropriate conveyancing searches?
Our attention has not be brought to such a Biggleswade conveyancing matter but it has been reported that, clients purchasing a home elsewhere in England successfully won a claim against their conveyancing practitioner as a consequence of development plans to erect a wind farm not being identified in conveyancing searches.
If you are contemplating buying a home in Biggleswade It is critical that your property lawyer conduct all Biggleswade conveyancing searches needed to ensure you have relevant and current information before buying a property.