My conveyancer has discovered a defect with the lease for the flat we are purchasing in Beacontree Heath. The seller’s lawyers have offered defective title insurance as a solution. We are happy with insurance and will cover the costs. Our property lawyer says that he must ensure that the lender is happy with this solution. Are we the client or is the bank?
The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the mortgage company are the client. Your conveyancer must comply with the UK Finance Lenders’ Handbook conditions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with 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.
At what point can the exchange of contracts take place for purchase conveyancing in Beacontree Heath and am I required to be at the solicitors office?
If you are near to one of the conveyancing solicitors in Beacontree Heath you are welcome to come in to sign the paperwork. However, the lender approved solicitors we recommend supply a countrywide conveyancing service and give as equally diligent and professional a job for you when communicating with you by post or email. The executing of the contract is not the point of no return. Signing on the dotted line is necessary for the solicitor to officially exchange when the time is right, which is ordinarily shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where an extended "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Beacontree Heath)to be in the office at the appropriate time.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Beacontree Heath. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 20/8/2025, the requirements read as follows :
My wife and I are buying a house in Beacontree Heath. I might seem paranoid but how we can trust a conveyancer? On the day of competition we have to send funds into their account. What protection do we have from them run away with our deposit?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
A relative pointed out to me me that in purchasing a property in Beacontree Heath there could be various restrictions preventing external alterations to the property. Is this right?
We are aware of anumerous of properties in Beacontree Heath which have some sort of restriction or requirement of consent to external variations. Part of the conveyancing in Beacontree Heath should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I currently have a mortgage with Kent Reliance for my property in Beacontree Heath. Conveyancing was finalised some time ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Kent Reliance?
You must advise Kent Reliance before letting out your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel solicitor.
I decided to have a survey done on a property in Beacontree Heath prior to appointing solicitors. I have been told that there is a flying freehold aspect to the house. Our surveyor has said that some lenders may refuse to issue a mortgage on this type of home.
It varies from the lender to lender. Lloyds has different instructions from Nationwide. If you contact us we can look into this further via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Beacontree Heath. Conveyancing will be smoother if you use a solicitor in Beacontree Heath especially if they regularly deal with such properties in Beacontree Heath.
I have been sourcing a conveyancing practitioner in Beacontree Heath for my house move. Can I review a firm’s complaints history with the legal regulator?
Anyone can search for documented Solicitor Regulator Association (SRA) determinations stemming from investigations commenced on or after Jan 2008. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a solicitors record, ring 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, call +44 (0)121 329 6800. The SRA could monitor call for training requirements.