We are purchasing a 1 bedroom apartment in Barton Upon Humber with a mortgage. We have a Barton Upon Humber lawyer, however the lender advise he's not on their "panel". We have to appoint one of the lender panel conveyancing practices or continue with our Barton Upon Humber conveyancing practitioner and pay for one of their panel ones to act for them. This feels very unfair; can we not insist that the lender use our Barton Upon Humber conveyancer ?
No, not really. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Barton Upon Humber conveyancing lawyer to apply to be on the conveyancing panel.
All was ready to move into my new home in Barton Upon Humber next Thursday. My lawyer now wants me to supply her with proof of content and building insurance for the property as he says that he has to check this in his capacity as lawyer for the lender. What risks does the mortgage company expect the insurance to cover?
All property lawyers on acting for lenders would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s UK Finance Lenders’ Handbook instructions. These obligations are not limited to conveyancing in Barton Upon Humber.
I require expedited conveyancing in Barton Upon Humber as I am faced with pressure to sign on the dotted line inside one month. Luckily I do not need a mortgage. Can I decline from having conveyancing searches to save money and time?
As you are not obtaining a mortgage you have the choice not to have searches carried out although no lawyer would suggest that you don't. With lots of history conveyancing in Barton Upon Humber the following are instances of what can appear and adversely affect future saleability: Refused Planning Applications, Outstanding Charges, Outstanding Grants, Railway Schemes,...
I decided to have a survey done on a property in Barton Upon Humber prior to appointing conveyancers. I have been told that there is a flying freehold element to the property. My surveyor has said that some mortgage companies may not give a loan on this type of house.
It depends who your proposed lender is. HSBC has different instructions from Birmingham Midshires. If you call us we can check 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 Barton Upon Humber. Conveyancing will be smoother if you use a solicitor in Barton Upon Humber especially if they are acquainted with such properties in Barton Upon Humber.
I am four weeks into a residential purchase having been recommend to a firm by the local agent to carry out the conveyancing in Barton Upon Humber. We are not happy. Can you help me find new solicitors?
They would have to be very bad in order to consider diss instructing them. Has the mortgage offer been sent? If so you will need to make them aware of the new contact details and get the mortgage documents are issued to the new lawyers. Your new conveyancer needs to be on the mortgage company panel to avoid escalating charges and complications. So that should be your starting point. The find a solicitor tool can help you find a lender approved conveyancer for your home move in Barton Upon Humber
My wife and I yesterday discovered that one of the partners of the firm acting on the purchase conveyancing in Barton Upon Humber is an uncle of the vendor. Is this permitted?
On the basis that no conflict arises this is permitted. If you are needing mortgage finance then the mortgage company may have a say as many banks have specific requirements concerning this. For example for Royal Bank of Scotland -Natwest One as of 26/1/2026, the requirements read as follows :