My fiance and I are hoping to buy a property in Clayton-le-Moors and have appointed a Clayton-le-Moors conveyancing practice. Within the past 48 hours our solicitor has forwarded the sale agreement to be signed with a detailed report with the expectation that exchange is imminent. National Westminster Bank have this afternoon contacted us to inform me that they have now hit a problem as our Clayton-le-Moors conveyancer is not on their approved list of lawyers. Please explain?
If you are buying a property requiring a mortgage it is standard for the purchasers' solicitors to also act for the purchaser's lender. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your property lawyer should contact your bank and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on the bank's conveyancing panel and you may continue to use your own Clayton-le-Moors solicitors, in which case it will likely add costs, and it may delay matters as you have another set of people involved.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Clayton-le-Moors. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 25/4/2025, the requirements read as follows :
We are buying a property and the solicitor has identified Chancel Repair for which the property could be liable given it’s proximity to the area of such a church. He has mentioned insurance. Is this strictly required for conveyancing in Clayton-le-Moors
Unless a prior purchase of the property completed after 12 October 2013 you could take it that solicitors delivering conveyancing in Clayton-le-Moors to continue to recommend a chancel search and or chancel repair liability insurance.
I have been advised by a number of estate agents in Clayton-le-Moors to get a quote from a conveyancer on your site. Is there a financial inducement for Estate Agents to recommend your lawyers over and above alternative conveyancing organisations?
We don’t give any commission for directing people to this site. We found it would be just too difficult a fee because a client could think, ‘Why is the agent getting a kickback? Why am I not receiving any benefit too?’ We would prefer to grow our business on genuine recommendations.
I am 18 days into a residential purchase having been recommend to conveyancers by the high street agent to handle our conveyancing in Clayton-le-Moors. I am not happy. Could you you assist me in finding new solicitors?
A lawyer would have to be very poor in order to consider changing them. Has your mortgage offer been issued? If so you will need to inform them of the new contact details and get the offer are re-issued. Your new solicitor ideally needs to be on the lenders approved list to avoid escalating expenses and frustration. So that should be your first question of the new conveyancers. The find a solicitor tool should help you find a lender approved solicitor for your conveyancing in Clayton-le-Moors
I am purchasing a ground floor apartment in Clayton-le-Moors. Conveyancing lawyer is awaiting, from the seller, building insurance schedule. This morning I was advised that the owner needs to forward the insurance paperwork for the flat above as well. Why does my conveyancer want to check the insurance for the other flat? Is it really necessary? We have been stalled for the previous three weeks…
It is not unheard of in leasehold conveyancing in Clayton-le-Moors to find Conveyancing in Clayton-le-Moors in a minority of cases reveals that the lease obliges the tenant's to insure their individual flats rather than the freeholder insuring the whole property - which is clearly better. Do contact your conveyancing practitioner but it would appear that your conveyancer is looking to establish that the complete building is insured. Insuring a ground floor flat is no help when it comes to rebuilding after a fire if the 1st floor cannot be rebuilt for lack of insurance cover.