Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Boldon Colliery?
Two types of professional can conduct conveyancing in Boldon Colliery namely licenced conveyancers or solicitors. The two can administer conveyancing services that you need to complete the sale or purchase of property. They are both required to conduct Boldon Colliery conveyancing on similar quality and guidelines so you can be safe in the knowledge that your conveyancing will be properly carried out and that the requirements and procedures should be appropriately adhered to.
I have today made my last payment due on my mortgage with Bank of Ireland. I assume I don't need a Boldon Colliery property lawyer on the Bank of Ireland panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Bank of Ireland mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Bank of Ireland mortgage from the register. Bank of Ireland, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Bank of Ireland has sent the Land Registry the discharge electronically, and
- Bank of Ireland has instructed the Land Registry to do so
I had an offer accepted on an apartment in Boldon Colliery on 8/12/2025, valuation was booked 3 days later, received a clean bill of health. Solicitor instructed, so all that was missing was my mortgage offer. Having made daily calls to Lloyds and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Lloyds conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.
Do I need to take out insurance to address the risk of chancel repairs when buying a house in Boldon Colliery?
Unless a previous acquisition of the property completed after 12 October 2013 you may take it that solicitors conducting conveyancing in Boldon Colliery to remain recommending a chancel search and or insurance against a claim.
Me and my brother have a renovated Edwardian house in Boldon Colliery. Conveyancing solicitor represented me and Santander. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, the second leasehold under the matching property. I'd like to know for sure, how can I find out??
You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Boldon Colliery and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with your conveyancing practitioner who completed the work.
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a straight forward, no chain conveyancing. Boldon Colliery is the location of the property. Is there any guidance you can give?
Flying freeholds in Boldon Colliery are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Boldon Colliery you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Boldon Colliery may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
My father-in-law has encouraged me to use his conveyancing solicitors in Boldon Colliery. Should I choose my own solicitor?
There are no two ways about it it’s preferable to choose a conveyancing solicitor is to seek recommendations from friends or relatives who have actually previously instructed the conveyancer that you are are thinking of instructing.
Builders have recommended to me a property lawyer and I've received an estimate from them. It's almost three hundred pounds less expensive than my preferred Boldon Colliery property lawyer. Should I use them?
Developers often have lists of conveyancing practitioners who expedite matters and who know the builder's paperwork and solicitor. Plenty of developers offer an incentive to choose a preferred lawyer for this reason, any increased charges can be avoided and a builder won't suggest a conveyancing warehouse and run the risk of having the conveyancing delayed when they want exchange within a tight deadline. A counter-argument for not agreeing to use the suggested solicitor is that they may prove hesitant to 'push' your interests for fear of upsetting the housebuilder. Where you have concerns that this may be the situation you should stick with your local Boldon Colliery conveyancing practitioner.