I own a freehold house in South Tottenham but nevertheless charged rent, why is this and what is this?

It is rare for properties in South Tottenham and has limited impact for conveyancing in South Tottenham but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the establishment of fresh rentcharges from 1977 onwards.

Previous rentcharges can now be extinguished by making a lump sum payment under the Act. Any rentcharges that are still in existence after 2037 will be dispensed with completely.

Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in South Tottenham. My lender is Bank of Ireland

Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 27/11/2025, the requirements read as follows :

I have been told by my conveyancer that lack of planning permission insurance is necessary on my purchase. What is the level of cover for South Tottenham conveyancing?

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

We expect to receive a OIP from TSB this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do TSB recommend any South Tottenham solicitors on the TSB conveyancing panel, or is it better to go independently?

You will need to appoint South Tottenham solicitors independently although you'll need to choose one on the TSB conveyancing panel. The solicitor represents both you and TSB through the process.

My partner and I are at the point of viewing flats in South Tottenham and I am about to put in an offer. Is it advisable to have my conveyancing practitioner on ‘stand by’? I will be getting a home loan with RBS.

It would be sensible to instigate 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 contact information on to the EA. As you are taking out a mortgage with RBS, ask your prospective lawyers if they are on the RBS conveyancing panel otherwise they can't do the mortgage legal work.

How do I use your search tool to select a conveyancing solicitor in South Tottenham on the panel for my lender?

First select a mortgage company such as Nationwide Building Society, The Royal Bank of Scotland or Godiva Mortgages Ltd then type in your location such as South Tottenham. Conveyancing organisations in South Tottenham and across England and Wales should be listed.

Our conveyancer in South Tottenham has identified a a legal deficiency with the lease for the property we are purchasing in South Tottenham. The other side have offered title insurance as a solution. We are happy with insurance and will cover the costs. Our solicitor says that as he is on the bank conveyancing panel he must be satisfied that the lender is happy with this solution. Are we the client or is the lender?

Just because you have a mortgage offer from the lender does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your South Tottenham conveyancing lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook Requirements. You and the lender are the client. The appropriate lender requirements have to be complied with by the lender conveyancing panel who has to balance acting for you and the lender