I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Tunbridge Wells. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 28/8/2025, the requirements read as follows :
What does a local search tell me about the house my wife and I purchasing in Tunbridge Wells?
Tunbridge Wells conveyancing often starts with the applying for local authority searches directly from your local Authority or through a personal search organisations for instance Xpress Legal The local search plays a central role in many a Tunbridge Wells conveyancing purchase; that is if you wish to avoid any unpleasant surprises after you move into your property. The search will provide information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic sections.
I'm purchasing my first flat in Tunbridge Wells with a mortgage from Halifax. The developers refused to move on the amount so I negotiated five thousand pounds worth of additionals instead. The house builders rep advised me not reveal to my solicitor about the deal as it could adversely affect my loan with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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.
Due to the guidance of my in-laws I had a survey completed on a property in Tunbridge Wells before retaining solicitors. I have been advised that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies will not grant a mortgage on such a home.
It depends who your proposed lender is. Lloyds has different instructions from Halifax. Should you wish to telephone us we can investigate further via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Tunbridge Wells. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Tunbridge Wells to see if the conveyancing will be more expensive.
My husband and I are first time buyers - agreed a price, yet the estate agent told us that the owners will only go ahead if we use the agent's chosen conveyancers as they need an ‘expedited deal’. My instinct tells me that we should use a family solicitor used to conveyancing in Tunbridge Wells
We suspect that the seller is unaware of this ultimatum. If they require ‘a quick sale', taking such a hostile approach to a genuine purchaser is likely to cause more damage than good. Contact the owners directly and explain that (a)you are keen to buy (b)you are ready to progress, with finances in place © you are unencumbered (d) you intend to proceed fast (e)however you intend to instruct your preferred Tunbridge Wells conveyancing lawyers - rather thanthose that will earn the negotiator at the agency a commission or meet his conveyancing thresholds pre-set by corporate headquarters.
We have appointed a Tunbridge Wells conveyancing solicitor for our house purchase (first time buyers) and have picked up in the terms and conditions that they are not regulated by the FCA. Am I right to be concerned or is that standard with lawyer?
We can't see why they should be. Most property lawyer don't lend money. They will be governed by the Solicitors Regulation Authority, who set strict stipulations in place on monies held in their bank.