Can you help - my lawyer says that flying freehold insurance is necessary on my purchase. What is the level of cover for Northern Moor conveyancing?

The appropriate level of flying freehold indemnity insurance should be dictated by who your lender. It would differ for example between Birmingham Midshires and Virgin Money. Conveyancing solicitors as opposed to members of the public take out such policies.

The mortgage over my property is with Co-operative for my property in Northern Moor. Conveyancing has been completed a year ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Co-operative?

Your original mortgage agreement with Co-operative will provide that you need their approval before letting out your property as this is likely to be a breach of Co-operative’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Co-operative directly. You need not do this via a Co-operative conveyancing panel firm.

My offer was accepted on a house in Northern Moor on 11/11/2025, valuation was booked five days after, received a clean bill of health. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Santander and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Santander conveyancing panel. Can the lender hold off the offer?

A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.

Are there restrictive covenants that are commonly picked up during conveyancing in Northern Moor?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Northern Moor. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

Due to the input of my in-laws I had a survey completed on a house in Northern Moor in advance of instructing solicitors. I have been advised that there is a flying freehold aspect to the property. My surveyor advised that some mortgage companies tend not issue a loan on such a property.

It depends who your proposed lender is. HSBC has different instructions for example to Birmingham Midshires. Should you wish to telephone us we can investigate further via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Northern Moor. Conveyancing may be slightly more expensive based on your lender's requirements.

I need to instruct a conveyancing solicitor for freehold conveyancing in Northern Moor. I happened to chance upon a site which appears to be the ideal solution If there is a chance to get all this stuff completed via email that would be ideal. Should I be concerned? What should out be looking out for?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?

Is there a difference between surveying and conveyancing in Northern Moor?

Conveyancing - in Northern Moor or elsewhere - is the process of legally transferring legal title of property from one person to another. It therefore includes the checking of the title. Whether buying or selling, you should be aware of anything affecting the property such as proposals by government departments, illegal buildings, or outstanding rates. The conveyancer should conduct the appropriate searches and inquiries on the property. Surveying relates to the structure of a property itself. A surveyor will look at a house, flat and any outbuildings you are purchasing and will help you discover the condition of the building and, if there are problems, give you leverage for negotiating the buying price down or asking the seller to remedy the defects prior to you complete your move.