My husband and I are approaching an exchange on a flat in Cheltenham and my mum and dad have sent the exchange deposit to my solicitor. I am now advised that as the deposit has not arrived from me my property lawyer needs to disclose this to my mortgage company. I am advised that, in also acting for the bank he must advise them that the balance of the purchase price is coming from anyone other than me. I disclosed to the mortgage company about my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to delay the deal?
Your property lawyer is obliged to clarify with mortgage company to ensure that they understand that the balance of the purchase price is not from your own funds. The solicitor can only report this to your lender if you agree, failing which, your lawyer must cease to continue acting.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Cheltenham. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 6/5/2026, the requirements read as follows :
Is it correct that all Cheltenham CQS (Conveyancing Quality Scheme) solicitors are on the Virgin Money conveyancing list of approved practices?
It is true that some banks and building societies now make use of the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however is no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
We previously selected conveyancing lawyers located in Cheltenham on the Yorkshire BS solicitor panel. They are now charging me a further amount for the legal aspects of the Yorkshire BS mortgage. Is this a supplemental conveyancing fee specified by Yorkshire BS?
Unfortunately, so long as it is in their Terms and Conditions or Quote then yes your lawyer is entitled to charge a fee for this. The charge is not dictated by Yorkshire BS but by your Cheltenham solicitor. Plenty of firms on the Yorkshire BS panel will quote ’dealing with mortgage’ fee but some practices include it on their overall fee.
We expect to receive a AIP from Principality this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Principality recommend any Cheltenham solicitors on the Principality conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Cheltenham solicitors independently although you'll need to choose one on the Principality conveyancing panel. The solicitor represents both you and Principality through the process.
I'm refinancing my existing house to a buy to let mortgage with Skipton Building Society and I will use the rest of the raised equity as a deposit on further house. The location we are looking at is Cheltenham. Will your solicitors 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 solicitors are on the appropriate lender panels. On the basis that they are the conveyancer will be able to simultaneously deal with the two transactions but you should talk with you solicitor and make apparent your expectations and needs.
In scouring the world wide web for the words cheap conveyancing in Cheltenham it shows results of many property lawyerslocally. How do I determine which is the right conveyancer for me?
The ideal way of seeking a suitable conveyancer is through a personal testimonial, so seek the opinion of colleagues and those you trust who have purchased a property in Cheltenham or the local estate agent or financial adviser. Fees for conveyancing in Cheltenham differ, so it's a good idea to secure a minimum of three fee estimates from varying types of law firms. Make sure that you clarify that the fees are fixed.
I today plan to offer on a house that seems to be perfect, at a reasonable figure which is making it all the more appealing. I have subsequently been informed that the title is leasehold as opposed to freehold. I would have thought that there are issues purchasing a house with a leasehold title in Cheltenham. Conveyancing solicitors have are about to be instructed. Will they explain the issues?
Most houses in Cheltenham are freehold and not leasehold. In this scenario it’s worth having a local solicitor used to dealing with such properties who can assist with the conveyancing process. It is clear that you are purchasing in Cheltenham in which case you should be shopping around for a Cheltenham conveyancing solicitor and be sure that they have experience in transacting on leasehold houses. First you will need to check the number of years remaining. Being a tenant you will not be at liberty to do whatever you want with the house. The lease comes with conditions for example requiring the landlord’spermission to carry out changes to the property. It may be necessary to pay a maintenance charge towards the maintenance of the estate where the property is part of an estate. Your conveyancer should advise you fully on all the issues.
I am the registered owner of a split level flat in Cheltenham, conveyancing was carried out half a dozen years ago. How much will my lease extension cost? Corresponding properties in Cheltenham with a long lease are worth £190,000. The ground rent is £65 yearly. The lease finishes on 21st October 2087
With 61 years left to run we estimate the premium for your lease extension to be between £18,100 and £20,800 plus professional fees.
The suggested premium range that we have given is a general guide to costs for extending a lease, but we cannot give you a more accurate figure without more comprehensive investigations. You should not use this information in tribunal or court proceedings. There are no doubt additional issues that need to be considered and clearly you want to be as accurate as possible in your negotiations. Neither should you take any other action based on this information before seeking the advice of a professional.