I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Repton. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 30/8/2026, the requirements read as follows :
My wife and I are selling our home in Repton and according to the buyers it appears that there is a risk of it being constructed on contaminated land. Any local conveyancer would know that there is no such problem. It does beg the question why the purchasers are using a nationwide conveyancing practice as opposed to a conveyancing solicitor in Repton. We have lived in Repton for six years we know of no issue. Is it a good idea to get in touch with our local Authority to get clarification that the buyers are looking for.
It sounds as though you may have a conveyancing solicitor currently acting for you. What do they say? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
The deeds to our house can not be found. The conveyancers who handled the conveyancing in Repton 4 years ago have long since closed. What do I do?
Assuming you have a registered title the information relating to your proprietorship will be held by HMLR under a Title Number. It is easy to execute a search at the Land Registry, locate your house and order up to date copies of the Registered Entries for less than a fiver. Where the property is Leasehold then the Land Registry will usually hold a certified copy of the Registered Lease and again, a copy can be retrieved for twenty pounds.
I am buying a new build house in Repton with a mortgage from TSB. The builders would not budge the price so I negotiated 6k of additionals instead. The property agent suggested that I not reveal to my conveyancer about the side-deal as it will adversely affect my loan with the bank. Should I keep quiet?.
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 decided to have a survey done on a house in Repton ahead of instructing conveyancers. I have been advised that there is a flying freehold aspect to the house. The surveyor has said that some banks may not grant a mortgage on such a premises.
It depends who your proposed lender is. Santander has different requirements for example to Nationwide. Should you wish to telephone us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Repton. Conveyancing will be smoother if you use a solicitor in Repton especially if they regularly deal with such properties in Repton.
I have just appointed agents to market my garden flat in Repton. Conveyancing solicitors are to be appointed soon, however I have recently received a yearly maintenance charge invoice – Do I pay up?
It best that you pay the invoice as normal as all ground rent and maintenance payments will be allotted as part of the financial calculations for completion monies, so you should recover the relevant percentage 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.
Repton Conveyancing for Leasehold Flats - Sample of Questions you should ask Prior to buying
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This information is important as a) areas can cause problems for the building as the communal areas may begin to deteriorate if services remain unpaid b) if the tenants have a dispute with the managing agents you will need to have all the details What prohibitions are there in the Repton Lease? Be sure to discover if there are any onerous prohibitions in the lease. By way of example it is very common in Repton leases that pets are not permitted in in a block in Repton. If you love the propertyin Repton however your dog can’t live with you then you will be faced hard choice.