Will my conveyancing lawyers need to check that the building insurance when buying a house in Kensal Green. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 20/6/2025, the requirements read as follows :
We have agreed to purchase a house in Kensal Green. A rare aspect is that the roof has a solar panel. Bank of Ireland have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Bank of Ireland your lawyer must follow the conveyancing instructions contained in Section 2 of UK Finance Lenders’ Handbook for Bank of Ireland. The Council of Mortgage Lenders’ Handbook includes minimum provisions for solar panel roof-space leases, and lawyers are required to report to Bank of Ireland where a lease fails to satisfy these specifications. The specifications relate to the installation of panels on properties nationwide and is not limited to Kensal Green.
I have instructed a Kensal Green solicitor having made sure that they are on the Skipton conveyancing panel. Does my lawyer arrange the survey of the property?
Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Kensal Green surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Santander have agreed my mortgage in principle, my bid on a apartment in Kensal Green has been agreed to, now what?
Your estate agent will want to be informed of your solicitor's details (ensure that the lawyers are on the bank’s panel). Telephone Santander or your financial adviser and finish off any relevant forms. Santander will appoint a valuer who will get in contact with the selling agent or vendor to schedule an appointment. Once carried out (assuming no problems) it takes about a week to receive the mortgage offer. Santander will send the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Kensal Green.
What can a local search tell me regarding the house I am purchasing in Kensal Green?
Kensal Green conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search company for instance Xpress Legal The local search is essential in every Kensal Green conveyancing purchase; that is if you wish to avoid any unpleasant surprises after you move into your new home. The search should supply data on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject sections.
I have recentlyfound out that Wolstenholmes have been shut down. They carried out my conveyancing in Kensal Green for a purchase of a leasehold apartment 10 months ago. How can I be sure that my home is registered correctly in the name of the former proprietor?
The quickest way to see if the premises is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Kensal Green conveyancing specialists.
Due to the input of my in-laws I had a survey completed on a house in Kensal Green ahead of instructing solicitors. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some banks tend refuse to grant a loan on this type of home.
It varies from the lender to lender. Bank of Scotland has different instructions from Halifax. If you call us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Kensal Green. Conveyancing may be slightly more expensive based on your lender's requirements.
In what way does the Landlord & Tenant Act 1954 impact my commercial premises in Kensal Green and how can you help?
The 1954 Act provides security of tenure to business lessees, granting the legal entitlement to apply to court for a continuation of occupancy when the lease comes to an end. There are certain specified grounds that a landlord can refrain from granting a lease renewal and the rules are involved. We are happy to direct you to commercial conveyancing solicitors who use the act for protection and help with commercial conveyancing in Kensal Green