I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Knotty Ash. My lender is Nationwide Building Society
Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 14/7/2025, the requirements read as follows :
My husband and I are spending time viewing houses in Knotty Ash and I am now considering a potential offer. Should I already have a conveyancing practitioner appointed at this stage? I intend to finance via a home loan with Bank of Ireland.
It would be advisable to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the selling agent. As you are taking out a mortgage with Bank of Ireland, ask your prospective lawyers if they are on the Bank of Ireland conveyancing panel otherwise they can't do the mortgage legal work.
Completion of my purchase has taken place for my property in Knotty Ash. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I recently had an offer agreed on a house in Knotty Ash. My mortgage broker recommended their conveyancers. I paid an advanced payment of £150. A couple of days later, the lawyer contacted me to say that they were not on the TSB conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the TSB panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I am buying a new build flat in Knotty Ash. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Set out below are examples of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Knotty Ash
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The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. There must be mutual enforceability of lessee’s covenants. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company?
Due to the encouragement of my in-laws I had a survey completed on a house in Knotty Ash before retaining conveyancers. I have been told that there is a flying freehold aspect to the property. My surveyor has said that some lenders will refuse to issue a loan on this type of house.
It varies from the lender to lender. Bank of Scotland has different requirements from Nationwide. If you e-mail us we can investigate further 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 Knotty Ash. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Knotty Ash to see if the conveyancing costs will increase in light of this.
In scouring the web for the words conveyancing in Knotty Ash it reveals many property lawyersin the vicinity. How do I determine which is the right conveyancing solicitor for me?
The best method of finding a suitable conveyancer is through a personal referral, so ask colleagues and those you trust who have acquired a property in Knotty Ash or a respected estate agent or financial adviser. Charges for conveyancing in Knotty Ash vary, so it's a good idea to secure at least four quotes from different conveyancers. Dont forget to clarify that the charges are assured not to rise.
In relation to leasehold conveyancing in Knotty Ash what are the most frequent lease defects?
Leasehold conveyancing in Knotty Ash is not unique. All leases are individual and legal mistakes in the legal wording can result in certain sections are not included. The following missing provisions could result in a defective lease:
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A provision for the recovery of money spent for the benefit of another party. A provision to repair to or maintain elements of the premises
A defective lease will likely cause problems when trying to sell a property as they can affect a potential buyer’s ability to obtain a mortgage. Birmingham Midshires, Norwich and Peterborough Building Society, and Britannia all have express requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease is defective they may refuse to grant the mortgage, forcing the purchaser to withdraw.
Leasehold Conveyancing in Knotty Ash - Sample of Questions you should consider Prior to Purchasing
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On the whole the cost for major works are not incorporated into the maintenance charges, albeit that a few managing agents in Knotty Ash ask leasehold owners to contribute towards a sinking fund and this is used to offset against major works. Is there a share of the freehold? It is important to be aware if changing the roof or some other significant cost is anticipated to be shared amongst the leaseholders and may well dramatically increase the the service costs or result in a specific payment.