My wife and I are buying a 1 bedroom apartment in Haggerston with a mortgage. We like our Haggerston lawyer, however the mortgage company advise he's not on their "panel". We have to appoint one of the lender panel solicitors or retain our Haggerston property lawyer and pay for one of their panel firms to represent them. We regard this is inequitable; is there anything we can do?
Unfortunately,no. 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 Haggerston conveyancing solicitor to apply to be on the conveyancing panel.
Do lawyers request money up-front when it comes to conveyancing in Haggerston?
If you are buying a property in Haggerston your lawyer will request that you place them with monies to cover the search fees. This will be the total of the cost of the conveyancing searches. If any deposit is as part of the sale price then this will be required immediately ahead of exchange of contracts. Any further balance that is due should be transferred a few days ahead of the completion date.
We're in Haggerston, First time buyers purchasing with a mortgage (lender is Bank of Ireland , and our solicitor is on the Bank of Ireland conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Bank of Ireland conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no lawyer should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
We previously selected solicitors with offices in Haggerston on the TSB solicitor panel. They are now charging me a further amount for the legal aspects of the TSB mortgage. Is this an additional conveyancing fee set by TSB?
Unfortunately, so long as it is in their Terms and Conditions or estimate then yes your lawyer is entitled to levy a fee for this. This charge is not set by TSB but by your Haggerston property lawyer. Some firms on the TSB panel will levy an ‘acting for lender’ fee but some practices include it on their overall fee.
We have a mortgage agreed in principle with Skipton. Haggerston conveyancing lawyers were appointed. What is the average time that one could expect to receive a mortgage offer from Skipton?
There is no definitive answer here. Have Skipton completed the valuation? Have you advised Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
My offer was accepted on a property in Haggerston on 28/2/2025, valuation was booked five days later, all came back fine. Conveyancer appointed, so all that was missing was my mortgage offer. Having made daily calls to Yorkshire BS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Yorkshire BS conveyancing panel. Are Yorkshire BS entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Yorkshire BS to deal with your lawyer's application to be on the Yorkshire BS conveyancing panel. There's no guarantee that your solicitor will be accepted.
We are 17 days into a freehold purchase having been referred to conveyancers by the local agent to handle our conveyancing in Haggerston. I am not happy. Can you you assist me in finding new solicitors?
A solicitor would need to be very bad in order to consider diss instructing them. Has your mortgage offer been generated? If so you will need to advise them of the new contact details and get the mortgage documents are re-issued. Your conveyancer needs to be on the lenders approved list to avoid escalating costs and delays. That should be your first question of the new solicitors. Our find a solicitor tool will help you find a lender approved solicitor for your conveyancing in Haggerston
I am hoping to put an offer on a small detached house that appears to tick a lot of boxes, at a great figure which is making it all the more appealing. I have just found out that the title is leasehold as opposed to freehold. I am assuming that there are issues buying a leasehold house in Haggerston. Conveyancing advisers have are about to be instructed. Will they explain the issues?
Most houses in Haggerston are freehold rather than leasehold. In this scenario it’s worth having a local solicitor who is familiar with the area who can assist with the conveyancing process. We note that you are purchasing in Haggerston so you should seriously consider looking for a Haggerston conveyancing solicitor and be sure that they have experience in dealing with leasehold houses. First you will need to check the unexpired lease term. Being a leaseholder you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as obtaining the freeholder’spermission to carry out alterations. It may be necessary to pay a contribution towards the maintenance of the communal areas where the house is part of an estate. Your solicitor will advise you fully on all the issues.
I have tried to negotiate informally with with my landlord for a lease extension without any joy. Can I apply to the Leasehold Valuation Tribunal? Can you recommend a Haggerston conveyancing firm to help?
You certainly can. We can put you in touch with a Haggerston conveyancing firm who can help.
An example of a Lease Extension matter before the tribunal for a Haggerston flat is 137 & 139 Haberdasher Street in December 2013. The Tribunal determines in accordance with section 48 and Schedule 13 of the Leasehold Reform, Housing and Urban Development Act 1993 that the premium for the extended lease for each Property should be £12,350.00. This case affected 2 flats. The unexpired residue of the current lease was 72.39 years.