Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Boxmoor. My lender is The Mortgage Works

The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 12/10/2025, the requirements read as follows :

I am being told by my solicitor that lack of planning permission insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Boxmoor?

The appropriate level of lack of planning permission indemnity insurance depends on who your lender is. It would differ for example between Yorkshire Building Society and The Mortgage Works. Conveyancing solicitors as opposed to borrowers take out such insurances.

I'm the only recipient of my late mum's estate with all property in now in my sole name, including the house in Boxmoor. Conveyancing formalities meant that the Land Registry date was in September. I now wish to sell up. I do know about the CML six month 'rule', meaning my property ownership will be treated the same way as if I'd bought the house in September. Will no one buy the property for half a year?

The CML handbook requires 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 could be caught by that. How sensible a view lenders take of it, depend on the bank as this provision is chiefly there to identify subsales or the quick reselling of property.

Can I be sure that the Boxmoor conveyancing solicitor on the Clydesdale panel is any good?

When it comes to conveyancing in Boxmoor obtaining recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the lawyer handling your conveyancing.

Yesterday I discovered that there is a flying freehold element on a house I put an offer in two weeks back in what was supposed to be a straight forward, chain free conveyancing. Boxmoor is where the house is located. Can you shed any light on this issue?

Flying freeholds in Boxmoor are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Boxmoor you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Boxmoor may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.

How do I identify a Boxmoor solicitor on the Alliance & Leicester conveyancing panel? I have wheels and am happy to travel upto 10kilometers to meet the conveyancer.

Feel free to make use of the search on this page. Please choose the bank and your location and you will see a number of Boxmoor conveyancing lawyers locally. We have listed some Boxmoor conveyancing firms towards the end of this page and you can ring them to see if they are on the Alliance & Leicester approved list

I've recently bought a leasehold property in Boxmoor. Do I have any liability for service charges relating to a period prior to my ownership?

In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to be sure 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).

Leasehold Conveyancing in Boxmoor - Examples of Questions you should consider before buying

Does the lease include onerous restrictions? Who is in charge of the block? Are there any major works in the near future that will likely increase the maintenance charges?