I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Holmfirth. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 21/11/2025, the requirements read as follows :
Forgive me if this question is silly but I am wet behind the ears as FTB of a two bedroom flat in Holmfirth. Do I collect the keys to the house on the completion date from my solicitor? If this is the case, I will appoint a local conveyancing solicitor in Holmfirth?
On the day of completion you do not need to go to the conveyancers office in Holmfirth. Conveyancing lawyers for you will electronically transfer the completion advance to the owner’s conveyancers, and once they have received this, you should be able to collect the keys from the selling Agents and start moving into the property. This tends to happen early afternoon.
Are all Holmfirth Conveyancing Quality Solicitors on the Barclays conveyancing panel?
A selection of banks and building societies now make use of the accreditation scheme as the kick off point for Panel membership such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to remain on their panels.
After much negotiation I have agreed a price on an apartment in Holmfirth. My financial adviser suggested a lawyer. I paid an upfront payment of £200. A few days later, the conveyancer called me sheepishly admitting that they were not on the Santander 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 Santander 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.
Various web forums that I have frequented warn that are a common cause of delay in Holmfirth house deals. Is this right?
The Council of Property Search Organisations (CoPSO) released conclusions of a review by MoveWithUs that conveyancing searches do not feature within the common causes of delays in the conveyancing process. Local searches are unlikely to feature in any holding up conveyancing in Holmfirth.
I bought my apartment on 6 July and my personal details is not yet registered. Need I be worried? My conveyancing solicitor in Holmfirth advises it will be concluded in less than a month. Are transfers in Holmfirth uniquely lengthy to register?
There is nothing unique when it comes to conveyancing in Holmfirth registration formalities. Rather than based on location, timeframes can vary subject to the party submitting the application, whether it is in order and if the Land registry need to notify any interested parties. Currently roughly three quarters of submission are fully dealt with within 12 days but occasionally there can be longer hold-ups. Historically registration takes place after the new owner has moved in to the property so registration formalities is not typically an essential issue yet if it is urgent that the the registration takes place urgently then you or your lawyers could communicate with the Registry to express the reasoning for an expedited registration.
Due to the encouragement of my in-laws I had a survey completed on a house in Holmfirth in advance of appointing conveyancers. I have been informed that there is a flying freehold aspect to the house. The surveyor advised that some lenders may refuse to grant a mortgage on this type of property.
It depends who your proposed lender is. Bank of Scotland has different instructions from Birmingham Midshires. If you contact us we can check via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Holmfirth. Conveyancing will be smoother if you use a solicitor in Holmfirth especially if they are familiar with such properties in Holmfirth.