Me and my wife are acquiring a ground floor flat in Botley. My Conveyancer is not listed on the bank approved list. Can I still continue with my Botley conveyancing solicitor even though they are not on the lender approved list?
You will need to appoint a conveyancing practitioner to complete the legal work required if you take out a mortgage to buy your home. They will carry out all the necessary legal checks on the property, make sure that you will be registered as proprietor and ensure that all the necessary mortgage documentation is in place. You could instruct a Botley property lawyer of your choosing. Nevertheless, where the property lawyer appointed is not on the mortgage company approved list supplemental charges will be incurred as separate legal representation will be required by them. Bank panel applications may be submitted, so if your conveyancer has not previously applied for membership they should take the opportunity to apply.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Botley. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 24/4/2025, the requirements read as follows :
I decided to have a survey completed on a house in Botley ahead of retaining lawyers. I have been advised that there is a flying freehold overhang to the property. The surveyor advised that some banks tend not grant a loan on a flying freehold house.
It varies from the lender to lender. Santander has different requirements from Birmingham Midshires. Should you wish to call us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Botley. Conveyancing will be smoother if you use a solicitor in Botley especially if they are accustomed to such properties in Botley.
My husband and I are a couple of weeks into a residential purchase having been recommend to conveyancers by the high street agent to do our conveyancing in Botley. I am am very disappointed with the level of service. Could you you assist me in finding new lawyers?
A solicitor would need to be very poor in order to consider changing them. Has your mortgage been issued? If so you need to make them aware of the new contact details and get the mortgage documents are issued to the new lawyers. The conveyancer needs to be on the banks approved list to avoid added charges and complications. So that should be your first question of the new lawyers. The find a solicitor tool will help you find a bank approved solicitor for your home move in Botley
Due to exchange soon on a studio apartment in Botley. Conveyancing lawyers have said that they will have a report out to me on Monday. What should I be looking out for?
The report on title for your leasehold conveyancing in Botley should include some of the following:
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Does the lease prevent you from subletting the flat, or having a home office for business You would want to be sent a copy of the lease Are you allowed to have a pet in the flat? Specifying your legal entitlements in relation to common areas in the building.For example, does the lease contain a right of way over a path or hallways? The total extent of the demise. This may be the flat itself but might include a attic or cellar if applicable.
Leasehold Conveyancing in Botley - Sample of Questions you should consider Prior to buying
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What prohibitions are there in the Botley Lease? How many years are left on the lease? On the whole the cost for major works tend not to be included within service charges, although a few managing agents in Botley require leasehold owners to contribute towards a reserve fund created for the specific purpose of establishing a fund for larger works.
Our offer on detached house in Botley has been agreed to, the owner does nevertheless have a tied purchase. The owners have offered on somewhere, but it’s not yet agreed to, and are looking at other flats in the pipeline. I have selected a nearby conveyancing solicitor in Botley. What should be my next step? At what stage do I apply for the mortgage with Yorkshire BS?
It is understandable to have apprehensions where there is an associated chain as you are unlikely to want to incur expenses prematurely (mortgage application is in the region of one thousand pounds, then valuation, Botley conveyancing search costs, etc). The first course of action is to ensure that your property lawyer is on the Yorkshire BS approved list. Concerning the subsequent phase this very much dictated by the specifics of your transaction, desire for the property and on the state of the market. During a buoyant market many buyers will apply for a home loan with Yorkshire BS and pay for the survey and only if it was satisfactory would they request their lawyer to move forward with searches.