I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Prestwich. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 10/12/2025, the requirements read as follows :
Forgive me if this question is silly but I am unseasoned as FTB of a ground floor flat in Prestwich. Do I collect the keys to the property on completion from my lawyer? If this is the case, I will find a local conveyancing solicitor in Prestwich?
On the day of completion you will not be required to attend the conveyancers office in Prestwich. Your solicitors will transfer the completion advance to the seller's solicitors, and once they have received this, you will be invited to collect the keys from the Estate Agents and start moving into the property. This tends to happen between 1 and 3pm.
Are all Prestwich Conveyancing Quality Solicitors on the RBS conveyancing panel?
A selection of banks and building societies now use CQS as the kick off point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their panels.
I was told four weeks ago that my mortgage has been agreed to by RBS. Is it usual for RBS to only issue the offer once my solicitor in Prestwich is approved on their conveyancing panel? RBS have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for RBS to deal with your lawyer's application to be on the RBS conveyancing panel. There's no guarantee that your solicitor will be accepted.
I require fast conveyancing in Prestwich as I have pressure to sign on the dotted line in less than one month. A home loan is not required. Is it possible to decline from having conveyancing searches to save fees and time?
As you are not getting a mortgage you are at liberty not to have searches conducted although no lawyer would recommend that you don't. Drawing on our experience of conveyancing in Prestwich the following are instances of what can arise and therefore impact future saleability: Enforcement Notices, Outstanding Charges, Outstanding Grants, Railway Schemes,...
Due to the guidance of my in-laws I had a survey completed on a house in Prestwich ahead of retaining lawyers. I have been advised that there is a flying freehold overhang to the property. The surveyor has said that some lenders tend not give a loan on a flying freehold property.
It varies from the lender to lender. Santander has different requirements from Nationwide. If you contact us we can investigate further via the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Prestwich. Conveyancing may be slightly more expensive based on your lender's requirements.
I am looking into buying my first house which is in Prestwich and I am already nervous. I couldn't find anything specific about Prestwich. Conveyancing will be needed in due course but do you know about the Prestwich area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Prestwich. In the meantime here are some basic statistics that we found
Can you provide any advice for leasehold conveyancing in Prestwich from the point of view of expediting the sale process?
- A significant proportion of the frustration in leasehold conveyancing in Prestwich can be bypassed where you instruct lawyers as soon as your agents start marketing the property and request that they start to put together the leasehold information which will be required by the purchasers’ conveyancers. If you have carried out any alterations to the property would they have required Landlord’s permission? In particular have you laid down wooden flooring? Prestwich leases often stipulate that internal structural changes or addition of wooden flooring necessitate a licence from the Landlord approving such works. Should you dont have the consents to hand you should not contact the landlord without checking with your lawyer first. You may think that you are aware of the number of years remaining on your lease but you should double-check by asking your lawyers. A purchaser's conveyancer will not be happy to advise their client to to exchange contracts if the lease term is under 80 years. In the circumstances it is important at an as soon as possible that you consider whether the lease for your property needs extending. If it does, contact your solicitors before you put your home on the market for sale. If you hold a share in a the Management Company, you should ensure that you hold the original share document. Obtaining a replacement share certificate is often a time consuming process and delays many a Prestwich home move. If a duplicate share is required, do contact the company director and secretary or managing agents (where applicable) for this sooner rather than later. Many freeholders or managing agents in Prestwich charge for providing management packs for a leasehold property. You or your lawyers should enquire as to the fee that they propose to charge. The management pack sought on or before finding a buyer, thus reducing delays. The average time it takes to obtain the necessary information is three weeks. It is the most usual cause of frustration in leasehold conveyancing in Prestwich.
Leasehold Conveyancing in Prestwich - Examples of Queries before Purchasing
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The best form of lease arrangement is a share of the freehold. In this situation the tenants have control and notwithstanding that a managing agent is often retained if it is bigger than a house conversion, the managing agent is directed by the tenants. Does this lease have in excess of 85 years unexpired? It would be sensible to find out if the the lease includes any onerous restrictions in the lease. By way of example it is fairly common in Prestwich leases that pets are not allowed in certain buildings in Prestwich. If you love the apartmentin Prestwich but your cat can’t live with you then you will be presented with a hard compromise.