Our conveyancer has uncovered a a problem with the lease for the apartment we are buying in Fallowfield. The seller’s lawyers have offered defective title insurance as a workaround. We are content with insurance and will pay for it. Our property lawyer has advised that he must ensure that the bank is content with this solution. Are we the client or is the bank?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the lender are the client. Your lawyer must comply with the UK Finance Lenders’ Handbook requirements. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the lender can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your property lawyer will have no choice but to discontinue acting for you.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Fallowfield. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 1/10/2026, the requirements read as follows :
This question may be naive but I am unseasoned as FTB of a two bedroom flat in Fallowfield. Do I pick up the keys to the property on completion from my solicitor? If so, I will appoint a local conveyancing solicitor in Fallowfield?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the completion advance to the seller's solicitors, and once they have received this, you will be able to pick up the keys from the property Agents and move into your new home. Usually this happens early afternoon.
Can you help - my lawyer advises that lack of right of way insurance is needed on my purchase. What is the level of cover for Fallowfield conveyancing?
The appropriate level of lack of right of way indemnity insurance depends on your lender. It would differ for example between HSBC Bank and Leeds Building Society. Conveyancing lawyers as opposed to borrowers take out such insurances.
Is it the case that all Fallowfield solicitors on the UBS conveyancing panel are overseen by the SRA?
As solicitors, in order to be on the UBS approved list of solicitors they would need to be overseen by the Solicitors Regulatory Authority. Some lenders do permit licenced conveyancers on their panel in which case such firms would be overseen by the Council of Licensed Conveyancers.
I am looking into buying my first house which is in Fallowfield and I am already nervous. I couldn't find anything specific about Fallowfield. Conveyancing will be needed in due course but do you know about the Fallowfield area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Fallowfield. In the meantime here are some basic statistics that we found
What advice can you give us when it comes to finding a Fallowfield conveyancing practice to carry out our lease extension conveyancing?
If you are instructing a property lawyer for lease extension works (regardless if they are a Fallowfield conveyancing firm) it is essential that he or she should be familiar with the legislation and specialises in this area of conveyancing. We advise that you make enquires with several firms including non Fallowfield conveyancing practices before you instructing a firm. Where the conveyancing practice is ALEP accredited then so much the better. The following questions might be helpful:
-
How many lease extensions has the firm carried out in Fallowfield in the last twenty four months? What are the charges for lease extension conveyancing?
Leasehold Conveyancing in Fallowfield - A selection of Questions you should ask before Purchasing
-
This question is useful as a) areas may result in problems for the building as the common areas may start to deteriorate where maintenance are not paid for b) if the leasehold owners have a dispute with the managing agents you will need to know about it On the whole the cost for major works tend not to be included within maintenance charges, albeit that a few managing agents in Fallowfield obliged leaseholders to pay into a reserve fund and this is used to offset against larger works. Be sure to discover if the the lease contains any unreasonable restrictions in the lease. By way of example plenty of leases prohibit pets being allowed in in a block in Fallowfield. If you like the apartmentin Fallowfield however your cat is not allowed to live with you then you will be presented with a difficult compromise.
My lawyer in Fallowfield has informed me that he requires ID documents saying that this forms part of his retainer as a solicitor on the mortgage company Conveyancing panel. Is this right?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offence if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage, your lawyer also has to check ID documents to satisfy the mortgage company. This is not unique to conveyancing in Fallowfield