My husband and I are planning to buy a house in Coedpoeth and are in fact using a Coedpoeth conveyancing firm. Within the last couple of days our property lawyer has sent a preliminary report and documents to look through in anticipation of exchanging contracts shortly. The Royal Bank of Scotland have this evening contacted us to inform me that there is now an issue as our Coedpoeth conveyancer is not on their conveyancing panel. Please explain?
If you are buying a property requiring a mortgage it is normal for the purchasers' solicitors to also act for the mortgage company. 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 Accreditation Scheme. Your property lawyer should contact your lender 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 Coedpoeth solicitors, in which case your legal fees may increase, and it may delay matters as you are adding another lawyer into the mix.
My partner and I are approaching an exchange on a flat in Coedpoeth and my parents have transferred the ten percent deposit to my conveyancer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my bank. Apparently, in also acting for the lender he must advise them that the balance of the purchase price is coming from anyone other than me. I informed the bank about my parents' contribution when I applied for the mortgage, so is it really necessary for this now to hold matters up?
Your solicitor is obliged to clarify with mortgage company to make sure that they understand that the balance of the purchase price is not from your own funds. The solicitor can only reveal this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.
Are the Coedpoeth conveyancing solicitors identified as being on the Bank of Ireland conveyancing panel, together with their details provided by Bank of Ireland?
Coedpoeth conveyancing firms themselves provide us confirmation that they are on the Bank of Ireland conveyancing panel as opposed to being supplied with a list from Bank of Ireland directly.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Coedpoeth. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 31/12/2025, the requirements read as follows :
Due to the input of my in-laws I had a survey completed on a house in Coedpoeth in advance of instructing solicitors. I have been informed that there is a flying freehold element to the property. My surveyor has said that some banks will not issue a mortgage on a flying freehold house.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to call us we can investigate further with the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Coedpoeth. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Coedpoeth to see if the conveyancing costs will increase in light of this.
I am selling my house. My former conveyancers have shut. I would be grateful for any recommendation of a conveyancing firm. Im based in Coedpoeth if that affects matters.
You should use our search tool to help you find a solicitor for your conveyancing in Coedpoeth. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs with a minimum of fuss.