I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Bredbury. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 14/1/2026, the requirements read as follows :
I am buying a terrace house in Bredbury. We would like to carry out a loft conversion at the property.Will the conveyancing process include enquiries to determine if these alterations were previously refused?
Your property lawyer should review the registered title as conveyancing in Bredbury will sometimes identify restrictions in the title deeds which prohibit certain alterations or require the permission of a 3rd party. Many works call for local authority planning permissions and approval under the building regulations. Some areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these things with a surveyor prior to committing yourself to a purchase.
Can I be sure that the Bredbury conveyancing solicitor on the Clydesdale panel is any good?
When it comes to conveyancing in Bredbury getting recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always advocate that you speak with the solicitor carrying out your conveyancing.
I have a mortgage with Yorkshire BS for my property in Bredbury. Conveyancing was finalised some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Yorkshire BS?
Yorkshire BS must be informed of your intention prior to renting your property as this is likely to be a breach of Yorkshire BS’s mortgage conditions. In many cases banks or building societies will permit you to let 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 Yorkshire BS directly. It should not be necessary to do this via a Yorkshire BS conveyancing panel firm.
My partner and I are planning on selling our property in Bredbury and the buyers lawyers are claiming that there is a risk of it being constructed land that was not decontaminated. A high street Bredbury lawyer would know this is not the case. It does beg the question why the buyers are using a national conveyancing firm as opposed to a conveyancing solicitor in Bredbury. Having lived in Bredbury for 4 years we know that this is a non issue. Should we contact our local Authority to seek clarification that the buyers are looking for.
It sounds as though you may have a conveyancing lawyer currently acting for you. What do they say? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
How does conveyancing in Bredbury differ for newly converted properties?
Most buyers of new build residence in Bredbury contact us having been asked by the builder to sign contracts and commit to the purchase even before the premises is constructed. This is because house builders in Bredbury usually buy the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Bredbury or who has acted in the same development.
I opted to have a survey done on a house in Bredbury prior to appointing lawyers. I have been advised that there is a flying freehold aspect to the house. Our surveyor advised that some banks may not grant a mortgage on such a house.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. If you e-mail us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Bredbury. Conveyancing may be slightly more expensive based on your lender's requirements.
Given that I am about to spend hundreds of thousands of pounds on a two bedroom apartment in Bredbury I wish to talk to a solicitor regarding thetransaction before instructing the firm. Can this be arranged?
We could not agree more - we would be happy to talk to you we do not take any clients on without you speaking to the solicitor who will be carrying out your conveyancing in Bredbury.There is no ‘factory style conveyancing’ - each client is an important person, not a case reference. The solicitors that we put you in touch with believe that the fees you are calculated and presented to you for your conveyancing in Bredbury should be the figure that you are charged.