I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Hampden Pk. My lender is The Mortgage Works

The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 16/11/2025, the requirements read as follows :

My wife and I are purchasing a house in Hampden Pk. I might seem paranoid but how we can trust a lawyer? At some point we will need to deposit our life savings into their account. What protection do we have from them run away with our money?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

I'm spending time viewing flats in Hampden Pk and I am now considering a potential offer. Is it premature to have a solicitor in place? I intend to finance via a mortgage with Nationwide.

It would be sensible to commence your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the EA. As you are taking out a mortgage with Nationwide, ask your prospective lawyers if they are on the Nationwide conveyancing panel otherwise they can't do the mortgage legal work.

I am due to exchange contracts on my flat. I had a double glazing fitted in July 2010, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Kent Reliance are being difficult. The Hampden Pk solicitor who is on the Kent Reliance conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Kent Reliance are requiring a building regulation certificate. Why do Kent Reliance have a conveyancing panel if they don't accept advice from them?

It is probably the case that Kent Reliance have referred the matter to their valuer. The reason why Kent Reliance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

It has been three months since my purchase conveyancing in Hampden Pk took place. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

Estate agents have just been given the go-ahead to market my 2 bed apartment in Hampden Pk. Conveyancing lawyers have not yet been instructed, but I have just received a half-yearly service charge invoice – what should I do?

Your conveyancing lawyer is likely to suggest that you should discharge the invoice as usual given that all ground rent and maintenance charges should be apportioned as part of the financial calculations for completion monies, so you will be reimbursed by the purchaser for the period running from after the completion date to the subsequent invoice date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

I am the registered owner of a 1 bedroom flat in Hampden Pk, conveyancing formalities finalised 10 years ago. Can you let me have an estimated range of the fair premium for a lease extension? Similar flats in Hampden Pk with over 90 years remaining are worth £211,000. The average or mid-range amount of ground rent is £45 invoiced annually. The lease runs out on 21st October 2092

With only 67 years unexpired we estimate the premium for your lease extension to be between £10,500 and £12,000 as well as costs.

The figure above a general guide to costs for extending a lease, but we are not able to advice on a more accurate figure in the absence of comprehensive investigations. Do not use this information in a Notice of Claim or as an informal offer. There are no doubt other concerns that need to be considered and clearly you should be as accurate as possible in your negotiations. Please do not move forward based on this information before seeking the advice of a professional.

I am contemplating appointing a web based conveyancer as opposed to a Hampden Pk conveyancing practice. Any advice?

There are advantages of having the option pop in to a local Hampden Pk conveyancing solicitor such as

• signing documents on short notice
• getting face-to-face explanations of matters that need explaining
• the ability to complain if matters need to addressed

When checking fees, look out for hidden extras. Most decent Hampden Pk high street solicitors give an all-inclusive price. Often online agents appear to offer cheap fees, but have burried 'extras' in the fine print.