Will my conveyancing lawyers need to check that the building insurance when buying a house in Flint. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 6/6/2025, the requirements read as follows :
Do commercial conveyancing searches reveal impending roadworks that could impact a commercial premises in Flint?
Its becoming the norm that commercial conveyancing solicitors in Flint will perform a SiteSolutions Highways report as it dramatically cuts the time that conveyancers expend in looking into accurate data on highways that impact buildings and development assets in Flint. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Flint.
For every commercial conveyancing transaction in Flint it is crucial to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately may result in delays to Flint commercial conveyancing transactions as well as pose a risk to future intentions for the site. These searches are not conducted for domestic conveyancing in Flint.
I'm buying my first flat in Flint with a loan from Barclays Direct. The developers refused to reduce the amount so I negotiated five thousand pounds worth of extras instead. The property agent advised me not disclose to my solicitor about this extras as it will jeopardize my mortgage with the lender. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder 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've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a straight forward, chain free conveyancing. Flint is where the house is located. Can you offer any advice?
Flying freeholds in Flint are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Flint you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Flint may decide 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 residence.
I'm remortgaging my current property to a BTL mortgage with Virgin Money and I will use the ballance of the raised equity towards further property. The location we are talking about is Flint. Will your solicitors be able to act for the two banks and link together the two deals?
Do use our comparison tool on this site to ensure that the conveyancers are approved by both mortgage companies. Assuming that they are the solicitor will be able to tie up the two conveyancing matters but you should talk with you solicitor and communicate your expectations and requirements.
My wife and I purchased a leasehold house in Flint. Conveyancing and HSBC Bank mortgage are in place. I have received a letter from someone claiming to own the freehold. Attached was a demand for arrears of ground rent dating back to 1998. The conveyancing solicitor in Flint who acted for me is not around. Any advice?
The first thing you should do is contact HMLR to make sure that the individual purporting to own the freehold is in fact the registered owner of the freehold reversion. There is no need to incur the fees of a Flint conveyancing solicitor to do this as it can be done on-line for £3. Rest assured that regardless, even if this is the legitimate landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.
I acquired a 1st floor flat in Flint, conveyancing having been completed in 2011. Can you let me have an estimated range of the fair premium for a lease extension? Equivalent flats in Flint with a long lease are worth £201,000. The ground rent is £45 charged once a year. The lease comes to an end on 21st October 2090
You have 65 years left to run the likely cost is going to be between £13,300 and £15,400 plus plus your own and the landlord's "reasonable" professional fees.
The figure that we have given is a general guide to costs for extending a lease, but we cannot give you a more accurate figure without more comprehensive due diligence. You should not use the figures in a Notice of Claim or as an informal offer. There may be other concerns that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information before getting professional advice.