Our solicitor has uncovered a a legal deficiency with the lease for the property we are buying in Campden Hill. The other side have offered title insurance as a workaround. We are content with insurance and will pay for it. Our property lawyer says that he must check that the mortgage company is willing to move forward with this solution. Are we the client or is the bank?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the mortgage company are the client. Your lawyer 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.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Campden Hill. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 24/4/2025, the requirements read as follows :
My wife and I buying a detached bungalow in Campden Hill. The intention is to carry out an extension to the side at the house.Will legal due diligence on the property include investigations to see if these works are allowed?
Your property lawyer should check the registered title as conveyancing in Campden Hill will on occasion reveal restrictions in the title deeds which prevent certain alterations or necessitated the consent of a 3rd party. Certain additions require local authority planning permissions and approval under the building regulations. Many locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be wise to check these things with a surveyor before you commit yourself to a purchase.
We have a mortgage agreed in principle with Bank of Ireland. Campden Hill conveyancing practitioners are chosen. What is the average time that one could expect to receive a mortgage offer from Bank of Ireland?
Some lenders take longer than others. Have Bank of Ireland done the valuation? Have you advised Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
My offer was accepted on a house in Campden Hill on 11/3/2025, valuation was booked 2 days after, received a clean bill of health. Solicitor retained, so the only thing outstanding was my mortgage offer. Having made daily calls to HSBC and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the HSBC conveyancing panel. Are HSBC entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for HSBC to deal with your lawyer's application to be on the HSBC conveyancing panel. There's no guarantee that your solicitor will be accepted.
My wife and I purchased a semi-detached Edwardian house in Campden Hill. Conveyancing solicitor represented me and Skipton Building Society. I did a free Land Registry search last week and there are a couple of entries: the first freehold, the second leasehold with the exact same address. Is it worth asking Skipton Building Society to clarify?
You should read 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 Campden Hill and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the situation with your conveyancing solicitor who carried out the work.
How does conveyancing in Campden Hill differ for newly converted properties?
Most buyers of new build or newly converted property in Campden Hill come to us having been asked by the builder to exchange contracts and commit to the purchase even before the property is built. This is because house builders in Campden Hill typically purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Campden Hill or who has acted in the same development.
Do I have to have a meeting at the offices of the bank conveyancing panel solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Campden Hill as it will be easier to pop in to their offices when needed.
Most conveyancing panel lawyers for the lender undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. YOu dont have to use a conveyancing solicitor in Campden Hill. it would nevertheless be wise to check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.