I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in St Luke's. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 15/8/2026, the requirements read as follows :
is it true that all St Luke's solicitors on the Yorkshire BS conveyancing panel are governed by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Yorkshire BS approved list of solicitors they would need to be overseen by the SRA. Some banks do permit licenced conveyancers on their panel and in such a situation the practice would be regulated by the Council of Licensed Conveyancers.
We were going to get a OIP from Aldermore this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Aldermore recommend any St Luke's solicitors on the Aldermore conveyancing panel, or is it better to go independently?
You will need to appoint St Luke's solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
Yorkshire BS have agreed my home loan in principle, my offer on a flat in St Luke's has been agreed to, now what?
The property agent will wish to know who your solicitors are (ensure that the property lawyers are on the lender’s approved list). Contact Yorkshire BS or your financial adviser and finish off any appropriate paperwork. Yorkshire BS will instruct a valuer who will get in touch with the selling agent or owners to schedule a time for the valuation to happen. Once conducted (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Yorkshire BS will issue the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in St Luke's.
Is it necessary to take out insurance to cover chancel repairs when buying a residence in St Luke's?
Unless a previous purchase of the premises completed after 12 October 2013 you may take it that solicitors handling conveyancing in St Luke's to remain encouraging a chancel search and or insurance against a claim.
Due to the input of my in-laws I had a survey completed on a house in St Luke's prior to instructing solicitors. I have been advised that there is a flying freehold element to the property. Our surveyor advised that some lenders may refuse to give a mortgage on this type of home.
It varies from the lender to lender. Santander has different instructions from Birmingham Midshires. 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 used to dealing with flying freeholds in St Luke's. Conveyancing will be smoother if you use a solicitor in St Luke's especially if they are familiar with such properties in St Luke's.
I need to instruct a conveyancing lawyer in St Luke's for my house move. Is there any facility to review a firm’s complaints history with the profession’s regulator?
Members of the public may search for presented Solicitor Regulator Association (SRA) decisions resulting from inquisitions from 2008 onwards. Go to Check a solicitor's record. To find records about the period before 1 January 2008, or to check a solicitors history, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, use +44 (0)121 329 6800. The regulator may monitor telephone calls for training purposes.
I've recently bought a leasehold house in St Luke's. Am I liable to pay service charges for periods before completion of my purchase?
Where the service charge has already been demanded from the previous owner and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
We have reached the end of our tether in trying to purchase the freehold in St Luke's. Can the Leasehold Valuation Tribunal adjudicate on premiums?
if there is a absentee freeholder or if there is dispute about what the lease extension should cost, under the relevant legislation you can apply to the Leasehold Valuation Tribunal to make a decision on the price.
An example of a Lease Extension case for a St Luke's residence is 137 & 139 Haberdasher Street in December 2013. The Tribunal determines in accordance with section 48 and Schedule 13 of the Leasehold Reform, Housing and Urban Development Act 1993 that the premium for the extended lease for each Property should be £12,350.00. This case was in relation to 2 flats. The unexpired term as at the valuation date was 72.39 years.