Our solicitor has discovered a a problem with the lease for the flat we are buying in Papworth Everard. The other side have offered defective title insurance as a workaround. We are content with insurance and will pay for it. Our lawyer has advised that he must be satisfied that the bank is willing to move forward with this solution. Who is the client here, us or the mortgage company ?
Regardless of the fact that you have a mortgage offer from the mortgage company does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook specifications. You and the bank are the client. These conveyancing instructions must be adhered to.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Papworth Everard. My lender is Virgin
Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 20/12/2025, the requirements read as follows :
Will my solicitor be making enquiries regarding flooding during the conveyancing in Papworth Everard.
The risk of flooding is if increasing concern for conveyancers dealing with homes in Papworth Everard. There are those who purchase a house in Papworth Everard, fully aware that at some time, it may be flooded. However, leaving to one side the physical damage, if a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory insurance cover, or sell the property. There are steps that can be taken during the course of a house purchase to forewarn the buyer.
Solicitors are not best placed to give advice on flood risk, however there are a various checks that can be carried out by the buyer or by their conveyancers which can give them a better understanding of the risks in Papworth Everard. The standard information supplied to a buyer’s lawyer (where the Conveyancing Protocol is adopted) includes a usual question of the vendor to find out if the premises has historically flooded. If the premises has been flooded in past and is not revealed by the vendor, then a buyer could commence a legal claim for losses as a result of such an inaccurate response. A purchaser’s conveyancers should also commission an enviro report. This should reveal if there is any known flood risk. If so, additional inquiries will need to be carried out.
Are there restrictive covenants that are commonly picked up during conveyancing in Papworth Everard?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Papworth Everard. 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…’
Just had an offer accepted on a new build apartment in Papworth Everard. Conveyancing is a frightening process 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 conveyancing.
Here are examples of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Papworth Everard
-
Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. 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. Please supply a car parking plan.
Yesterday I discovered that there is a flying freehold element on a property I have offered on two weeks back in what should have been a simple, no chain conveyancing. Papworth Everard is where the house is located. Can you offer any guidance?
Flying freeholds in Papworth Everard are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Papworth Everard you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Papworth Everard 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 property.