Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Folkestone. My lender is Nationwide Building Society
Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 23/1/2026, the requirements read as follows :
Do I choose a Licenced Conveyancer or Solicitor for conveyancing in Folkestone?
There are many registered licenced Conveyancers in Folkestone and Solicitor partnerships in Folkestone offering conveyancing We would stress that the two are supervised by regulatory bodies with both specialising in the legal work in the home buying process. The two can deal with associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
I can not work out if my bank requires a lease extension. I have called my Folkestone bank branch on a couple of occasions and was informed it wasn't an issue and they will lend. My Folkestone conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they refuse to lend based on their specific requirements. Who do I believe?
Provided that the solicitor is on the bank approved list, she or he must comply with the CML Handbook requirements for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
About to purchase apartment in Folkestone. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Barclays conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Folkestone conveyancing practitioner is on the Barclays conveyancing panel.
I am purchasing a new build house in Folkestone benefiting from help to buy. The sellers refused to budge the amount so I negotiated £7000 of extras instead. The property agent suggested that I not to tell my conveyancer about this side-deal as it may put at risk my mortgage with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey done on a property in Folkestone ahead of retaining lawyers. I have been informed that there is a flying freehold element to the property. Our surveyor has said that some banks may refuse to issue a loan on such a property.
It varies from the lender to lender. Bank of Scotland has different instructions from Birmingham Midshires. If you call us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Folkestone. Conveyancing will be smoother if you use a solicitor in Folkestone especially if they are familiar with such properties in Folkestone.
How do I use your search facility to get a fee calculation from a conveyancing lawyer in Folkestone on the authorised to act for my mortgage?
First choose a mortgage company such as National Westminster Bank, Leeds Building Society or Godiva Mortgages Ltd then choose your preferred area for example Folkestone. Conveyancing practices in Folkestone and across England and Wales should be listed.
A conveyancing firm handled my conveyancing in Folkestone half a dozen years past and was holding my title documents but has now closed – What steps do I now take to retreive these?
Deeds, as such, are no longer appropriate for most properties in Folkestone are recorded digitally at Land Registry. Where you need to prove ownership or are selling or re-mortgaging your property lawyer can obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.