All was ready to move into my new home in Henlow next Tuesday. My conveyancing practitioner now wants me to supply her with proof of content and building insurance for the property as as she informs me that she is duty bound to validate that it is in order for the bank. What risks does the lender expect the insurance to cover?
All property lawyers on acting for banks would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 instructions. These requirements are not limited to conveyancing in Henlow.
I have 70 years unexpired on my lease and need a lease extension for my apartment in Henlow. Conveyancing solicitors on the Tesco Bank panel can deal with such extensions right?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 29/4/2026 the requirements read as follows :
My bid for a property was accepted at auction in Henlow. Conveyancing is needed. What are my next steps?
Given that you have now exchanged you will need to appoint a conveyancing practitioner as a matter of priority as you now have a tight a drop dead date to complete the transaction. An auction property will ordinarily have an associated auction set of papers. This should include most,if not all of the paperwork that your solicitor requires. If you have purchased leasehold premises the auction pack may provide a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation pertinent to a leasehold property. You must pass this on to the solicitor instructed by you ASAP. Do make sure that you have funds organised to complete the transaction on the set completion date.
I am selling my apartment. I had a double glazing fitted in December 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Co-operative are being pedantic. The Henlow solicitor who is on the Co-operative conveyancing panel is saying indemnity insurance will be fine but Co-operative are requiring a building regulation certificate. Why do Co-operative have a conveyancing panel if they don't accept advice from them?
It is probably the case that Co-operative have referred the matter to their valuer. The reason why Co-operative may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Our offer on a house in Henlow has been accepted, the vendors do nevertheless have an associated purchase. The owners have placed an offer on on an apartment, but it’s not been accepted yet, and are looking at other properties booked. I have instructed a bricks and mortar conveyancing solicitor in Henlow. What do I do now? At what point do I apply for the mortgage with Leeds Building Society?
It is normal to have anxieties 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 valuation, Henlow conveyancing search fees, etc). The first course of action is to ensure that your property lawyer is on the Leeds Building Society conveyancing panel. Concerning the subsequent steps this very much depends on the circumstances of your transaction, desire for the property and on the state of the market. During a buoyant market some purchasers will apply for a home loan with Leeds Building Society and pay for the valuation and only if it was satisfactory would they request their lawyer to proceed with searches.
I have been told that property searches are the primary reason for obstruction in Henlow house deals. Is this right?
The Council of Property Search Organisations (CoPSO) published determinations of research by MoveWithUs that conveyancing searches do not figure within the most frequent causes of delays in the conveyancing process. Local searches are unlikely to be the root cause of slowing down conveyancing in Henlow.
Are there restrictive covenants that are commonly identified during conveyancing in Henlow?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Henlow. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am buying a new build flat in Henlow. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Set out below are examples of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Henlow
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There must be mutual enforceability of lessee’s covenants. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Forfeiture - bankruptcy or liquidation must not apply under this provision. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.