Will my conveyancing lawyers need to check that the building insurance for my purchase of 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 2/7/2025, the requirements read as follows :
We have agreed to purchase a house in Bingley. An unusual aspect is that the roof has a solar panel. Lloyds have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Lloyds your lawyer must check the conveyancing requirements outlined in Section 2 of UK Finance Lenders’ Handbook for Lloyds. The Council of Mortgage Lenders’ Handbook contains minimum conditions for solar panel roof-space leases, and solicitors are required to report to Lloyds where a lease does not meet these conditions. The conditions relate to the installation of panels on properties countrywide and is not isolated to Bingley.
I have decided to exercise my right to buy my property in Bingley off the council. I have a mortgage agreed with Yorkshire BS. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Yorkshire BS, you will need to appoint a solicitor on the Yorkshire BS conveyancing panel.
I have finally had an offer on a flat in Bingley agreed to, the vendors do nevertheless have a tied purchase. The sellers have put an offer on somewhere, but it’s not yet agreed to, and are looking at other flats booked. I have instructed a local conveyancing solicitor in Bingley. What do I do now? When should I get the mortgage application with Barclays started?
It is usual to have concerns where there is a chain as you are unlikely to want to incur costs too early (home loan application is in the region of one thousand pounds, then survey, Bingley conveyancing search fees, etc). First, you should ensure that your conveyancing practitioner is on the Barclays approved list. As to the next phase this very much dictated by the specifics of your transaction, motivation for this property and on the state of the market. During a buoyant market some purchasers will apply for a home loan with Barclays and pay for the valuation and only if it comes back ok would they ask their lawyer to press on with searches.
Me and my brother purchased a 4 bedroom Edwardian property in Bingley. Conveyancing practitioner represented me and The Royal Bank of Scotland. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Bingley and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with your conveyancing lawyer who conducted the purchase.
I am purchasing my first flat in Bingley benefiting from help to buy. The sellers would not budge the price so I negotiated £7000 of additionals instead. The house builders rep suggested that I not disclose to my solicitor about this extras as it could adversely affect my mortgage with the bank. 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.
I am using a search engine for the phrase on line conveyancing in Bingley it shows results of numerous conveyancersin the vicinity. With so much choice what is the best way to find the right property lawyer for my move?
The ideal method of finding a suitable conveyancer is via personal testimonial, so enquire of colleagues and those you trust who have acquired a property in Bingley or a reputable estate agent or financial adviser. Fees for conveyancing in Bingley vary, so it's sensible to secure at least three fee estimates from varying types of property lawyers. Be sure to obtain confirmation what costs in the quote includes.
A conveyancing firm handled my conveyancing in Bingley half a dozen years past and was holding my deeds but has now closed – What steps do I now take to get hold of them?
Title deeds, as such, no longer exist as the majority of properties in Bingley are registered digitally at Land Registry. Where you need to prove ownership or are disposing of or refinancing your lawyer can obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.