I am hoping to complete my purchase in Gloucester next Thursday. My conveyancing practitioner now wants me to supply her with proof of content and building insurance for the property as he says that he has to check this in his capacity as lawyer for the lender. What risks does the lender expect the insurance to cover?
All property lawyers on acting for mortgage companies would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 requirements. These obligations are not unique to conveyancing in Gloucester.
We are looking to buy a flat and require a conveyancing solicitor in Gloucester who is on the HSBC solicitor panel. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for HSBC . We don't recommend any particular firms conducting conveyancing in Gloucester.
I am about to put an offer on a leasehold flat in Gloucester. The selling agents assure me that it is the norm for flats in Gloucester to have less than 75 years left on the lease. I am expecting a loan with Platform. Is this going to be a problem if the lease has Seventy One years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Platform have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 19/12/2025 the requirements read as follows :
I am purchasing my first flat in Gloucester with the aid of help to buy. The developers refused to budge the price so I negotiated five thousand pounds worth of extras instead. The estate agent suggested that I not inform my lawyer about the deal as it will adversely affect my loan 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.
Given that I will soon spend 450k on 3 bedroom house in Gloucester I wish to have a conversation with the solicitor concerning thehouse move ahead of appointing the firm. Can this be arranged?
This is something that we recommend - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer due to be doing your conveyancing in Gloucester.There is no ‘factory style conveyancing’ - each client is unique individual, not a file number. The practices that we put you in touch with believe that the figure you are calculated and presented to you for your conveyancing in Gloucester should be the figure that you are charged.
My husband and I are 18 days into a freehold purchase having been directed to a firm by the local agent to carry out the conveyancing in Gloucester. I am am starting to be dissatisfied with the level of service. Could you help me find new lawyers?
A conveyancer would have to be really bad in order to consider diss instructing them. Has your loan offer been issued? If so you need to make them aware of the new conveyancer and have the mortgage documents are issued to the new lawyers. Your new solicitor ideally should be on the banks approved list to avoid added charges and complications. That should be your starting point. The find a solicitor tool will assist you in finding a lender approved conveyancer for your home move in Gloucester