Me and my partner are buying a leasehold flat in Congleton. My property lawyer has never been on on the bank solicitor panel. Can I still continue with my Congleton conveyancing solicitor notwithstanding that they are excluded from the mortgage company panel of approved conveyancing solicitors?
You have a couple of options available to you here
- Complete the deal with your preferred Congleton property lawyer but your bank will undoubtedly instruct a lawyer on their approved panel. This will result in additional cost together with likely frustration.
- Choose a fresh property lawyer to conduct the conveyancing, making sure they are on the mortgage company conveyancing panel.
- Convince your conveyancing practitioner to do everything within their powers to get listed on the mortgage company panel of solicitors
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Congleton. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 13/12/2025, the requirements read as follows :
My bid for a property was accepted at auction in Congleton. Conveyancing is necessary. What happens now?
Now that you are legally committed yourself to purchase you now have to hire the services of a conveyancing solicitor as a matter of urgency as you are faced with a fast approaching deadline in which to complete the purchase. All auction property will have a bespoke auction set of papers. This will include the copy title deeds, local authority and drainage searches. In the case of leasehold premises the conveyancing papers may include a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork relating to leasehold premises. You should pass this on to the solicitor instructed by you at the earliest opportunity. Do make sure that you have funds in place to complete on the on the contractual date .
My husband and I have arranged the release of further monies on our mortgage from Lloyds as we wish to conduct a loft conversion to our house in Congleton. Do we need to choose a bricks and mortar Congleton solicitor on the Lloyds conveyancing panel to handle the paperwork?
Lloyds would not normally appoint firms on their conveyancing panel to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Lloyds conveyancing panel.
At last I have had an offer on an apartment in Congleton agreed to, but there is a chain. The sellers have offered on a flat, however it’s not yet tied up, and have viewings of other apartments booked. I have instructed a bricks and mortar conveyancing solicitor in Congleton. What should be my next step? At what stage should I apply for the mortgage with Bank of Ireland?
It is understandable to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then valuation, Congleton conveyancing search fees, etc). First, you should check that your lawyer is on the Bank of Ireland conveyancing panel. Regarding the subsequent phase this very much dictated by the specifics of your transaction, desire for the property and on the state of the market. During a hot market some home buyers will apply for a home loan with Bank of Ireland and arrange for the valuation and only if it comes back ok would they pay their solicitor to move forward with searches.
I opted to have a survey completed on a house in Congleton in advance of retaining conveyancers. I have been informed that there is a flying freehold element to the house. The surveyor advised that some lenders will not give a mortgage on a flying freehold house.
It varies from the lender to lender. Lloyds has different instructions from Birmingham Midshires. If you contact us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Congleton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Congleton to see if the conveyancing costs will increase in light of this.
How do I use your search facility to choose a conveyancing practitioner in Congleton on the approved list for my mortgage?
1st select a lender such as Nationwide Building Society, The Mortgage Works or Clydesdale then choose your location for instance Congleton. Conveyancing practices in Congleton and nationally will then be shown.
My cousin has suggested that I use his conveyancers in Congleton. Should I choose my own conveyancer?
No doubt it’s preferable to choose a conveyancing solicitor is to get feedback from friends or relatives who have experience in using the firm you're considering.