I am the registered owner of a freehold premises in Brook Green but still pay rent, why is this and what is this?

It is rare for properties in Brook Green and has limited impact for conveyancing in Brook Green 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 hundreds of years, but the Rent Charge Act 1977 barred the generation of fresh rentcharges post 1977.

Old rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 is to be dispensed with completely.

Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Brook Green. My lender is Tesco Bank

Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 19/1/2026, the requirements read as follows :

I am close to exchanging contracts on the sale of our property in Brook Green and according to the buyers it appears that there is a risk of it being built on contaminated land. Any local lawyer would know that there is no such problem. It does beg the question why the buyers used a national conveyancing firm as opposed to a conveyancing solicitor in Brook Green. We have lived in Brook Green for 4 years we know of no issue. Is it a good idea to contact our local Authority to obtain confirmation that the buyers are looking for.

It sounds as though you may have a conveyancing solicitor currently acting for you. Are they able to advise? You should 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 sickness)

I am buying a new build house in Brook Green with the aid of help to buy. The builders would not budge the amount so I negotiated five thousand pounds worth of extras instead. The property agent suggested that I not reveal to my lawyer about the side-deal as it may jeopardize my loan with Bank of Scotland. 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 completed on a property in Brook Green in advance of appointing conveyancers. I have been informed that there is a flying freehold overhang to the property. My surveyor has said that some banks may not give a mortgage on a flying freehold premises.

It varies from the lender to lender. Lloyds has different instructions for example to Halifax. Should you wish to telephone us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Brook Green. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Brook Green to see if the conveyancing costs will increase in light of this.