Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Melbourn. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 6/12/2025, the requirements read as follows :
I have recentlyfound out that Wolstenholmes have closed. They carried out my conveyancing in Melbourn for a purchase of a leasehold flat 10 months ago. How can I check that my home is in my name in the name of the former proprietor?
The quickest method to see if the property is registered to you, you can make 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 Melbourn conveyancing specialists.
I am buying a new build house in Melbourn benefiting from help to buy. The developers would not reduce the amount so I negotiated £7000 of extras instead. The sale representative advised me not reveal to my conveyancer about this side-deal as it will jeopardize my loan with TSB. 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.
Yesterday I discovered that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a straight forward, chain free conveyancing. Melbourn is where the house is located. Can you shed any light on this issue?
Flying freeholds in Melbourn are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Melbourn you would need to get your solicitor to go through the deeds very carefully. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Melbourn may determine 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 converting the mortgage on my current house to a BTL loan with Norwich and Peterborough Building Society and I will use the ballance of the raised equity as a deposit on further house. The location we are looking at is Melbourn. Will your conveyancers be able to act for the two banks and link together the two deals?
Make use of our comparison tool on this site to check that the conveyancers are on the relevant lender panels. Having checked that they are your conveyancer will be able to tie up the two deals but you should have a chat with you conveyancer and specify your desired outcome and needs.
I have recently placed an offer on a leasehold flat in Melbourn and the mortgage adviser that we are dealing with suggested his lawyer. They quoted £900 excluding VAT and disbursements. Does this sound steep?
Don't just go on one quote. You should seek like-for-like quotes for your conveyancing in Melbourn. Then select one that you are comfortable with and crucially, is on the approved panel of the lender that you are sourcing your mortgage from.