I am only a couple days away from an exchange on a house in Cheltenham and my parents have transferred the ten percent deposit to my conveyancing practitioner. I am now told that as the deposit has been sent from someone other than me my solicitor needs to disclose this to my lender. Apparently, in also acting for the lender he must advise them that the balance of the purchase price is not just from me. I disclosed to the lender about my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to hold matters up?
Your conveyancing practitioner is obliged to clarify with lender to ensure that they know that the balance of the purchase price is not from your own funds. Your solicitor can only reveal this to your bank if you agree, failing which, your lawyer must cease to continue acting.
I am told that my conveyancing solicitors will need to check that the building insurance when buying 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 the case that all Cheltenham CQS (Conveyancing Quality Scheme) solicitors are on the HSBC conveyancing panel?
A selection of banks and building societies now use the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. CQS membership 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 solicitors wishing to remain on their approved list of conveyancing solicitors.
We had selected conveyancers located in Cheltenham on the Principality solicitor panel. They have just billed me a separate amount for dealing with the Principality mortgage. Is this an additional conveyancing fee set by Principality?
As unfair as it may seem, as long as it’s in their Terms of Engagement or Quote then yes your lawyer is entitled to levy a fee for this. The charge is not dictated by Principality but by your Cheltenham solicitor. Numerous firms on the Principality panel will levy an ‘acting for lender’ fee and others do not.
I am expecting a AIP from Coventry BS this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Coventry BS recommend any Cheltenham solicitors on the Coventry BS conveyancing panel, or is it better to go independently?
You will need to appoint Cheltenham solicitors independently although you'll need to choose one on the Coventry BS conveyancing panel. The solicitor represents both you and Coventry BS through the process.
I'm refinancing my primary home to a BTL mortgage with Chelsea Building Society and I will use the ballance of the raised equity towards further house. The area we are interested in is Cheltenham. Will your conveyancers be able to act for the two banks and link together the conveyances?
Make use of our comparison tool on this site to check that the conveyancers are approved by both mortgage companies. Assuming that they are your conveyancer will be able to tie up the two conveyancing matters but you should talk with you solicitor and make apparent your expectations and needs.
In scouring the world wide web for the words on line conveyancing in Cheltenham it brings up many solicitorsin the area. How do I determine which is the suitable conveyancer for my move?
The best method of seeking a suitable conveyancer is via personal testimonial, so ask colleagues and family who have purchased a property in Cheltenham or a local estate agent or mortgage broker. Fees for conveyancing in Cheltenham differ, so it's a good idea to obtain a minimum of three fee estimates from varying types of solicitors. Make sure that you clarify that the costs are guaranteed not to increase.
I've found a house that appears to tick a lot of boxes, at a reasonable price which is making it all the more appealing. I have since found out that the title is leasehold as opposed to freehold. I am assuming that there are particular concerns buying a leasehold house in Cheltenham. Conveyancing solicitors have are soon to be instructed. Will they explain the issues?
The majority of houses in Cheltenham are freehold rather than leasehold. In this scenario it’s worth having a local solicitor who is familiar with the area who can assist with the conveyancing process. It is clear that you are purchasing in Cheltenham so you should seriously consider looking for a Cheltenham conveyancing solicitor and be sure that they are used to advising on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a lessee you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as requiring the freeholder’sconsent to carry out changes to the property. It may be necessary to pay a contribution towards the maintenance of the estate where the house is part of an estate. Your conveyancer should report to you on the legal implications.
I invested in buying a leasehold flat in Cheltenham, conveyancing having been completed 9 years ago. How much will my lease extension cost? Similar flats in Cheltenham with an extended lease are worth £190,000. The ground rent is £65 levied per year. The lease runs out on 21st October 2087
With only 61 years left to run we estimate the premium for your lease extension to range between £18,100 and £20,800 as well as legals.
The suggested premium range above a general guide to costs for renewing a lease, but we are not able to supply the actual costs in the absence of comprehensive investigations. You should not use the figures in tribunal or court proceedings. There are no doubt additional concerns that need to be taken into account and clearly you should be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information without first seeking the advice of a professional.