My partner and I are intent on acquiring a flat in Chipstead. My property lawyer is not listed on the lender approved list. Am I still permitted to use my Chipstead conveyancing solicitor notwithstanding that they are excluded from the mortgage company approved list?
You have numerous alternatives available to you here
- Proceed with your preferred Chipstead conveyancing practitioner but your mortgage company will no doubt instruct a lawyer on their approved panel. The net result is additional cost together with likely interruption.
- Appoint a fresh solicitor to conduct the conveyancing, obviously checking they are on the lender conveyancing panel.
- Convince your conveyancing practitioner to do everything within their powers to get listed on the lender’s panel of solicitors
Can you recommend a Chelsea Building Society approved Chipstead conveyancing firm who can have us moved in within a short deadline? Would it be better to use a high street Chipstead practice or an internet firm?
We would be happy to suggest some excellent Chipstead conveyancing firms. You can also walk up the high street in Chipstead. Go in to some well established firms and request to see a conveyancing solicitor for a quote. Mention your requirements together with the reasons and ask for a commitment on speed. Select the one that genuine.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Chipstead. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 2/12/2025, the requirements read as follows :
Have just purchased a repossessed house at auction in Chipstead. Conveyancing is required. What is next?
Given that you are now to all intents and purposes signed on the dotted line you now have to choose a conveyancing practitioner as a matter of priority as you are facing a pending a fixed date to complete the purchase. Every auction property will ordinarily have a bespoke auction pack. This will likely include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold premises the auction papers may contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation relating to a leasehold property. You must pass this on to your appointed conveyancing solicitor at the earliest opportunity. You also need to ensure that your finances are in order to complete the transaction on the set completion date.
I have a mortgage with Nationwide for my property in Chipstead. Conveyancing was finalised months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Nationwide?
You must advise Nationwide prior to renting your property as this is likely to be a breach of Nationwide’s mortgage conditions. It may be that Nationwide will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Nationwide directly. It should not be necessary to do this via a Nationwide conveyancing panel lawyer.
My sealed bid on a detached house in Chipstead has been accepted, but there is a chain. The sellers have placed an offer on a property, but it’s not yet tied up, and have viewings of other flats in the pipeline. I have instructed a bricks and mortar conveyancing solicitor in Chipstead. What do I do now? When should I get the mortgage application with Principality started?
It is understandable to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of £1k, then survey, Chipstead conveyancing search fees, etc). The first course of action is to ensure that your conveyancing practitioner is on the Principality conveyancing panel. Concerning the next steps this very much depends on the circumstances of your transaction, desire for the property and on the state of the market. During a rising market some home buyers will apply for the mortgage with Principality and arrange for the valuation and only if it comes back ok would they pay their conveyancer to press on with the conveyancing in Chipstead.
I'm buying my first flat in Chipstead benefiting from help to buy. The sellers refused to reduce the price so I negotiated £7000 of additionals instead. The house builders rep told me not reveal to my solicitor about the side-deal as it will affect my mortgage with Clydesdale. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Hoping to buy a property located in Chipstead and I am already nervous. I couldn't find anything specific about Chipstead. Conveyancing will be needed in due course but do you know about the Chipstead area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Chipstead. In the meantime here are some basic statistics that we found