I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Ruislip. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 9/10/2025, the requirements read as follows :
I am the only recipient of my late father’s estate with all property in now in my sole name, including the house in Ruislip. Conveyancing formalities meant that the Land Registry date was in September. I now wish to sell up. I understand that there is a Mortgage Lenders 6 month 'rule', which means that my proprietorship will be regarded the same way as though I had purchased the property in September. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be affected by that. Some banks would take a sensible view as this clause principally exists to pick up on the purchase and immediately sell or the wholesaling and assigning of property.
We previously chose solicitors locally in Ruislip on the Principality solicitor panel. They are now charging me a supplemental fee for the legal aspects of the Principality mortgage. Is this a supplemental conveyancing fee specified by Principality?
As unfair as it may seem, as long as it’s in their Terms of Engagement or estimate then yes your property lawyer can charge a fee for this. The fee is not dictated by Principality but by your Ruislip conveyancing practitioner. Some firms on the Principality panel will levy ’dealing with mortgage’ fee and others do not.
I am purchasing a property in Ruislip. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Barclays be concerned?
Given that your lender is Barclays your lawyer must check the formal requirements contained in Section 2 of UK Finance Lenders’ Handbook for Barclays. The Council of Mortgage Lenders’ Handbook sets out minimum specifications for solar panel roof-space leases, and solicitors are required to report to Barclays where a lease does not comply with these specifications. The requirements relate to the installation of panels on properties countrywide and is not limited to Ruislip.
Are there restrictive covenants that are commonly identified during conveyancing in Ruislip?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Ruislip. 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…’
How does conveyancing in Ruislip differ for new build properties?
Most buyers of new build property in Ruislip come to us having been asked by the housebuilder to sign contracts and commit to the purchase even before the house is completed. This is because new home sellers in Ruislip tend to purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Ruislip or who has acted in the same development.
I opted to have a survey done on a property in Ruislip in advance of retaining conveyancers. I have been told that there is a flying freehold element to the property. Our surveyor advised that some mortgage companies tend refuse to grant a loan on such a home.
It depends who your proposed lender is. Santander has different requirements from Nationwide. If you call us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Ruislip. Conveyancing will be smoother if you use a solicitor in Ruislip especially if they are familiar with such properties in Ruislip.
I am on look out for some leasehold conveyancing in Ruislip. Before diving in I want to be sure as to the remaining lease term.
Assuming the lease is recorded at the land registry - and 99.9% are in Ruislip - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Notwithstanding our best efforts, we have been unsuccessful in trying to reach an agreement for a lease extension in Ruislip. Can this matter be resolved via the Leasehold Valuation Tribunal?
in cases where there is a absentee landlord or if there is dispute about what the lease extension should cost, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the Leasehold Valuation Tribunal to judgment on the amount due.
An example of a Lease Extension case for a Ruislip property is Flat 72 Queens Walk in January 2013. The Tribunals calculated the premium payable to be £22,090. This case was in relation to 1 flat. The unexpired term as at the valuation date was 53.26 years.