I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Lower Morden. My lender is Bank of Ireland

Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 14/1/2026, the requirements read as follows :

I have been recommended by a few property agents in Lower Morden to select a solicitor using your seach tool. Is there a financial advantage for Estate Agents to market your site ahead of alternative conveyancing organisations?

We don’t offer any commission for sending work to this site. We found it would be just too difficult a fee because members of the public would think, ‘Why is the agent getting a kickback? Why aren’t I receiving any benefit too?’ So we decided to step away from that.

In my capacity as executor for the will of my father I am disposing of a residence in Cardiff but I am based in Lower Morden. My lawyer (approximately 250 kilometers awayhas requested that I execute a statutory declaration ahead of the transaction finalising. Could you suggest a conveyancing practitioner in Lower Morden to attest and place their company stamp on the document?

strictly speaking you are not likely to be required to have the documents witnessed by a conveyancing solicitor. Normally or notary public or qualified solicitor will be fine regardless of whether they are Lower Morden based

I am hoping to exchange soon on a basement flat in Lower Morden. Conveyancing solicitors assured me that they will have a report out to me tomorrow. Are there areas in the report that I should be focusing on?

The report on title for your leasehold conveyancing in Lower Morden should include some of the following:

Do you need to have carpet in the flat or are you allowed wood flooring? Responsibility to repair and maintain the main walls and foundations. It is essential for you to know who is liable for the repair and maintenance of every part of the building What options are open to you if an adjoining owner breaches a clause of their lease? It needs to be made clear to you whether the lease allows you to alter or upgrade anything in the flat- you should be made aware as to whether it relates to all alterations or limited to structural alteration, and whether permission is required

Having spent years of dialogue we cannot agree with our landlord on how much the lease extension should cost for our flat in Lower Morden. Can we issue an application to the Residential Property Tribunal Service?

in cases where there is a absentee landlord or where there is dispute about the premium for a lease extension, under the Leasehold Reform, Housing and Urban Development Act 1993 you can apply to the First-tier Tribunal (Property Chamber) to calculate the premium.

An example of a Lease Extension matter before the tribunal for a Lower Morden property is 33 The Maisonettes Alberta Avenue in June 2014. the Tribunal decided that the premium payable for the grant of a new lease be the sum of £20,680 (Twenty Thousand six hundred and eighty pounds). This case related to 1 flat. The unexpired residue of the current lease was 60.43 years.

Our lawyer in Lower Morden has identified a defect with the lease for the apartment we are purchasing in Lower Morden. The other side have offered title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer says that as he is on the bank conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or the mortgage company?

The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the lender are the client. A precondition to being on the mortgage company approved panel is to comply with the UK Finance Lenders’ Handbook requirements. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects will the lease so that the bank can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.