We are purchasing a 2 bedroom apartment in Edwinstowe with a mortgage. We would like to retain our Edwinstowe conveyancer, however the lender advise she’s not on their "panel". We have to appoint one of the mortgage company panel solicitors or keep our Edwinstowe lawyer as well as pay for one of their panel ones to represent them. We regard this is inequitable; is there anything we can do?
No, not really. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Edwinstowe conveyancing lawyer to apply to be on the conveyancing panel.
Our conveyancer has discovered a a problem with the lease for the property we are purchasing in Edwinstowe. The seller’s lawyers have suggested defective title insurance as a solution. We are content with insurance and will pay for it. Our conveyancer has advised that he must be satisfied that the bank is happy with this solution. Who is the client here, us or the lender?
Regardless of the fact that you have a mortgage offer from the bank does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the bank are the client. The appropriate lender provisions must be adhered to.
When can the exchange of contracts occur in sale conveyancing in Edwinstowe and am I required to attend the lawyers branch?
Where you are in close proximity to one of the conveyancing solicitors in Edwinstowe you are invited in to sign contracts. However, the firms we work with offer countrywide coverage for conveyancing and give just as comprehensive and professional a job for you when communicating with you digitally. The signing of the purchase agreement is not the critical part. A signed contract is necessary for the conveyancer to address the formalities at the suitable time, which will usually be very shortly after signing. The exchange process is nowadays normally dealt with by telephone and can be very rapid, although where an extended "chain" is in the mix, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Edwinstowe)to be in the office available at the end of the phone to exchange contracts.
About to place a bid on a leasehold apartment in Edwinstowe. The selling agents assure me that it is the norm for flats in Edwinstowe to have less than 75 years unexpired on the lease. I am getting a loan with Chelsea Building Society. Will the property be mortgageable given that the lease has 69 years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 7/9/2025 the requirements read as follows :
I'm the only beneficiary of my late grandmother’s estate and I have everything in my name alone, including the house in Edwinstowe. Conveyancing formalities meant that the Land Registry date was in August. I now wish to sell up. I do know about the CML 6 month 'rule', meaning my proprietorship could be regarded the same way as if I'd bought the property in August. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be affected by that. many banks would take a pragmatic view as this requirement principally exists to identify the purchase and immediately sell or the quick reselling of property.
is it true that all Edwinstowe conveyancing solicitors on the Coventry BS conveyancing panel are regulated by the SRA?
As solicitors, in order to be on the Coventry BS approved list of solicitors they would need to be regulated by the SRA. The majority of banks do permit licenced conveyancers on their panel in which case such firms would be governed by the CLC.
My wife and I are in the throws of looking at houses in Edwinstowe and I am now considering a potential offer. Should I already have a conveyancer in place at this point? I will be getting a mortgage with RBS.
You should start requesting conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the estate agent. Given that you are seeking a mortgage with RBS, ask your prospective lawyers if they are on the RBS conveyancing panel otherwise they can't do the mortgage legal work.
Do commercial conveyancing searches disclose planned roadworks that may affect a commercial site in Edwinstowe?
Many commercial conveyancing solicitors in Edwinstowe will carry out a SiteSolutions Highways report as it reduces the time that conveyancers invest in researching accurate data on highways that impact buildings and development assets in Edwinstowe. The report sets out definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Edwinstowe.
For every commercial conveyancing transaction in Edwinstowe it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been dealt with adequately may cause delays to Edwinstowe commercial conveyancing deals as well as pose a risk to future plans for the site. These searches are not carried out for domestic conveyancing in Edwinstowe.