I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Calcot and Tilehurst. My lender is Tesco Bank

Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 25/9/2025, the requirements read as follows :

I'm purchasing a new build house in Calcot and Tilehurst with a mortgage from Nottingham Building Society. The developers would not move on the amount so I negotiated £7000 of additionals instead. The sale representative told me not inform my conveyancer about this side-deal as it could affect my loan with Nottingham Building Society. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder 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.

Should I be wary about third parties that I am dealing with are suggesting an internet conveyancing firm rather than a High Street Calcot and Tilehurst conveyancing company?

As with many professional services, often suggestions from relatives can be worth their weight in gold. But there are numerous players in a conveyancing matter; estate agents, mortgage brokers and lenders might all suggest conveyancers to choose. On occasion the solicitors might be known to one of the organisations as being good in their field, but occasionally there behind the scenes financial incentive behind the recommendation. You have the discretion to choose your own conveyancer. However, bear in mind that most lenders operate an approved list of law firms you are obliged to use for the mortgage related work in your home move.

In searching the internet for the term cheap conveyancing in Calcot and Tilehurst it reveals numerous solicitorsin the area. How do I determine which is the suitable solicitor for my move?

The preferential method of choosing the right conveyancer is through a trusted referral, so seek the counsel of friends and relatives who have purchased a property in Calcot and Tilehurst or the respected estate agent or financial adviser. Fees for conveyancing in Calcot and Tilehurst differ, so it's advisable to obtain at least three fee estimates from varying types of solicitors. Be sure to secure confirmation that the fees are fixed.

I wish to sublet my leasehold apartment in Calcot and Tilehurst. Conveyancing solicitor who did the purchase is retired - so can't ask her. Is permission from the freeholder required?

Your lease governs the relationship between the freeholder and you the leaseholder; in particular, it will indicate if subletting is banned, or permitted but only subject to certain conditions. The accepted inference is that if the lease contains no specific ban or restriction, subletting is allowed. The majority of leases in Calcot and Tilehurst do not prevent subletting altogether – such a clause would undoubtedly devalue the flat. Instead, there is usually simply a requirement that the owner notifies the freeholder, possibly sending a copy of the tenancy agreement.

I inherited a garden flat in Calcot and Tilehurst, conveyancing formalities finalised half a dozen years ago. Can you let me have an estimated range of the fair premium for a lease extension? Corresponding flats in Calcot and Tilehurst with a long lease are worth £201,000. The average or mid-range amount of ground rent is £45 per annum. The lease ends on 21st October 2090

You have 65 years unexpired the likely cost is going to span between £13,300 and £15,400 plus plus your own and the landlord's "reasonable" professional fees.

The suggested premium range above a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of comprehensive due diligence. Do not use this information in a Notice of Claim or as an informal offer. There are no doubt other issues that need to be taken into account and clearly you should be as accurate as possible in your negotiations. You should not take any other action placing reliance on this information without first getting professional advice.