Our son-in-law is purchasing a newly built flat in West Harrow with a mortgage from Lloyds. His lawyer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. Who needs to receive the form?
The document is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Lloyds conveyancing panel as a standard part of the process, and to the valuer when asked. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Lloyds conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in West Harrow. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 22/7/2026, the requirements read as follows :
We had chosen conveyancers locally in West Harrow on the Skipton solicitor approved list. They have just invoiced me a further sum for the legal aspects of the Skipton mortgage. Is this a supplemental conveyancing fee set by Skipton?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your conveyancing practitioner may levy a fee for this. The charge is not set by Skipton but by your West Harrow lawyer. Numerous firms on the Skipton panel will quote an ‘acting for lender’ fee and others do not.
We were going to get a OIP from Clydesdale this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Clydesdale recommend any West Harrow solicitors on the Clydesdale conveyancing panel, or is it better to find our own lawyer?
You will need to appoint West Harrow solicitors independently although you'll need to choose one on the Clydesdale conveyancing panel. The solicitor represents both you and Clydesdale through the process.
Completion of my purchase has taken place for my property in West Harrow. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
The deeds to our property are lost. The solicitors who did the conveyancing in West Harrow 10 years ago have long since closed. Will I be able to sell the house?
Assuming the title is registered the information relating to your proprietorship will be retained by HMLR under a Title Number. It is possible to conduct a search at the Land Registry, locate your property and order up to date copies of the Registered Entries for a small fee. Where the property is Leasehold then the Land Registry will usually retain a file duplicate of the Registered Lease and again, a copy can be ordered for £20 inclusive of VAT.
My uncle has urged me to appoint his conveyancers in West Harrow. Should I choose my own property lawyer?
No doubt the ideal way to select a conveyancing solicitor is to seek recommendations from friends or family who have experience in using the conveyancer that you are contemplating using.
I am a negotiator for a long established estate agent office in West Harrow where we see a few leasehold sales put at risk due to short leases. I have been given inconsistent advice from local West Harrow conveyancing firms. Could you clarify whether the vendor of a flat can initiate the lease extension process for the buyer?
Provided that the seller has owned the lease for at least 2 years it is possible, to serve a Section 42 notice to commence the lease extension process and assign the benefit of the notice to the purchaser. This means that the proposed purchaser can avoid having to wait 2 years to extend their lease. Both sets of lawyers will agree to form of assignment. The assignment has to be done before, or at the same time as completion of the disposal of the property.
An alternative approach is to extend the lease informally by agreement with the landlord either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the purchaser.
Despite our best endeavours, we have been unsuccessful in negotiating a lease extension in West Harrow. Can this matter be resolved via the Leasehold Valuation Tribunal?
You certainly can. We can put you in touch with a West Harrow conveyancing firm who can help.
An example of a Lease Extension case for a West Harrow flat is flat 93b Welldon Crescent in May 2009. The Tribunals valuation for a 90-year lease extension of this fat was £13,171 This case related to 1 flat. The unexpired term as at the valuation date was 75.25 years.