Me and my partner are buying a 1 bedroom flat in Birch and Middleton with a mortgage. We like our Birch and Middleton lawyer, but the bank advise he's not on their "panel". We have to appoint one of the bank panel conveyancing practices or keep our Birch and Middleton property lawyer as well as pay for one of their panel firms to act for them. We regard this is unjust; can we not demand that the lender use our Birch and Middleton conveyancer ?
No, not really. The mortgage offered to you 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. A further alternative is for your Birch and Middleton conveyancing lawyer to apply to be on the conveyancing panel.
I am in a contract race with another buyer for a property in Birch and Middleton. What can I do to speed up matters?
In a situation where you are under time constraints for your conveyancing we would recommend that your conveyancer is familiar with the area as they will make use of local relationships and know-how. It is even conceivable that they would have transacted previoushomes in the same street. You would be best advised to use a Birch and Middleton conveyancing firm. In addition, be sure that the lawyer is on the on the approved list for your mortgage company. It is understood that 18% of Birch and Middleton conveyancing transactions are suspended or derailed after finding out that a purchaser’s solicitor was not on their mortgage lender’s panel. In many cases this discovery resulted in the conveyancing being held up by as much as 21 days. It is understood that this issue impacts in the region of 100,000 home sales every year. Almost all Birch and Middleton conveyancing firms can not act for certain lenders so do check as early as possible.
In what way does my ID and proof of funds have anything to do with my conveyancing in Birch and Middleton? What am I being asked for?
Anti-terror and anti-money-laundering laws require solicitors and licensed conveyancers to check the identification documents of the potential client they are dealing with prior to agreeing to accepting their conveyancing business. The Terms and Conditions that you need to sign will no doubt stipulate this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. If you are unwilling to hand over identification documents, your conveyancer will not be able to take you on as a client.
I have 7378 less than 75 years unexpired on my lease and require a lease extension for my apartment in Birch and Middleton. Conveyancing solicitors on the Tesco Bank panel can deal with such extensions correct?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 22/3/2025 the requirements read as follows :
I'm remortgaging my existing house to a buy to let loan with Yorkshire Building Society and intend to use the remaining equity towards another property. The location we are looking at is Birch and Middleton. Will your lawyers be able to act for the two banks and link together the two deals?
Make use of our comparison tool on this site to ensure that the lawyers are approved by both lenders. Assuming that they are the lawyer should be able to tie up the two conveyancing matters but you should talk with you conveyancer and specify your expectations and requirements.
My husband and I are first time buyers - had an offer accepted, yet the property agent has warned us that the owners will only proceed if we use their preferred lawyers as they want a ‘quick sale’. Our preferred option is to instruct a family solicitor with experience of conveyancing in Birch and Middleton
We suspect that the seller is not behind this demand. Should the vendor want ‘a quick sale', taking such a hostile approach to a genuine purchaser is likely to cause more damage than good. Try to communicate with the sellers directly and explain that (a)you are serious buyers (b)you are excited to move forward, with finances arranged © you are unencumbered (d) you wish to move quickly (e)but you intend to appoint your own,trusted Birch and Middleton conveyancing lawyers - not the ones that will give the negotiator at the agency a kickback or achieve conveyancing thresholds pre-set by corporate headquarters.