I am obtaining a mortgage offer from Santander. I hope to enlist the help of a Licensed Conveyancer in Esher. Does the Santander Conveyancing panel include Licensed Conveyancers?
The Santander conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
We are about to exchange contracts for a leasehold flat in Esher. We encountered a problem. Our loan offer with Alliance & Leicester runs out on 15/1/2026 but the vendors are putting forward a completion date of 19/1/2026. Is it possible to extend the mortgage expiry date?
The person best placed to address this issue is your conveyancer who should calculate if he or she is corresponding with the mortgage company, vendor’s solicitors, selling agents or possibly all three given the history of your transaction to date.
I understand that there are debates on Chancel Insurance on online forums. Am I compelled to have this when purchasing a residence in Esher? or Apparently there is an ancient law that means some homeowners residing in a parish church boundary will be compelled to contribute towards maintenance to the chancel within the church. Is this relevant for conveyancing in Esher?
Unless a previous acquisition of the premises completed after 12 October 2013 you could expect solicitors delivering conveyancing in Esher to continue to suggest a chancel search and or chancel repair liability insurance.
Are there restrictive covenants that are commonly picked up during conveyancing in Esher?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Esher. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Is it simple use the search app to choose a conveyancing lawyer in Esher on the authorised to act for my mortgage?
Step one is to pick a mortgage company such as Nationwide Building Society, Virgin Money or Alliance & Leicester then specify your location such as Esher. Conveyancing organisations in Esher and across England and Wales should be listed.
My step-son is just in the process of moving house, the home loan was agreed last week in principle. After the offer was accepted on house we called the mortgage institution to progress the mortgage application. We were shocked to hear that banks do not accept all solicitor, they need to be on their approved list, is this correct?
Mortgage Companies tend to restrict either the type or the number of conveyancing firms on their panel. A common example of such restriction(s) being that a firm must have two or more partners. In addition to restricting the type of firm, some have decided to limit the number of firms they use to represent them. You should note that banks have no responsibility for the quality of advice provided by any Esher conveyancing practitioner on their panel. Mortgage fraud was a key driver in the rationalisation of conveyancing panels a few years ago and whilst there are differing views about the extent of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that thousands of law firms only carry out one or two conveyances a year. Those supporting conveyancing panel cuts ask why law firms should have the right to be on a Lender panel when clearly, conveyancing is not their speciality. To put it another way; would you want a conveyancing solicitor to represent you if you were charged with a crime? Probably not.