Will my conveyancing lawyers need to check that the building insurance when buying a house in Heaviley and Offerton. My lender is Tesco Bank

Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 24/8/2025, the requirements read as follows :

We are buying a flat in Heaviley and Offerton. It might be a silly question but how we can trust a conveyancer? At some point we have to put our life savings into their account. What is the protection we have from them run away with our deposit?

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.

Forgive me if this question is silly but I am wet behind the ears as FTB of a ground floor flat in Heaviley and Offerton. Do I pick up the keys to the premises on the completion date from my conveyancer? If this is the case, I will find a High Street conveyancing solicitor in Heaviley and Offerton?

On the day of completion you do not need to go to the conveyancers office in Heaviley and Offerton. Conveyancing lawyers for you will arrange to send the purchase money to the owner’s conveyancers, and shortly after the monies have arrived, you should be invited to receive the keys from the selling Agents and move into your new home. Usually this happens between 1 and 3pm.

After much negotiation I have agreed a price on an apartment in Heaviley and Offerton. My mortgage broker pressured me to appoint their conveyancing practitioner. I paid an upfront payment of £150. A couple of days later, the lawyer contacted me to say that they were not on the Bank of Ireland conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Bank of Ireland panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

Me and my brother have a terraced Victorian house in Heaviley and Offerton. Conveyancing solicitor acted for me and Bank of Scotland. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold with the matching property. Is it worth asking Bank of Scotland to clarify?

You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Heaviley and Offerton and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the position with the conveyancing lawyer who completed the work.

I'm buying my first flat in Heaviley and Offerton with a loan from Birmingham Midshires. The developers would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not inform my solicitor about the extras as it could affect my mortgage with the bank. 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.

I opted to have a survey completed on a house in Heaviley and Offerton ahead of appointing solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor advised that some banks tend refuse to grant a loan on a flying freehold house.

It varies from the lender to lender. Lloyds has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can look into this further via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Heaviley and Offerton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Heaviley and Offerton to see if the conveyancing costs will increase in light of this.