I am expecting a mortgage with Nat West. I hope to employ the services of a Licensed Conveyancer in Harbury. Does the Nat West Conveyancing panel allow for Licensed Conveyancers?
The Nat West conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
All was ready to move into my new home in Harbury next Friday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order for the mortgage company. What risks does the lender expect the insurance to cover?
Any lawyer 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 conditions. These obligations are not specific to conveyancing in Harbury.
It is 10 years ago since I acquired my home in Harbury. Conveyancing solicitors have now been retained on the sale but I am unable to track down the deeds. Will this jeopardise the sale?
Don’t worry too much. First the deeds may be with your lender or they could be in the possession of the conveyancers who handled the purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers procuring current official copies of the land registers. Almost all conveyancing in Harbury involves registered property but in the rare situation where your home is unregistered it adds to the complexity but is not insurmountable.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Harbury. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 26/3/2025, the requirements read as follows :
Are there restrictive covenants that are commonly picked up during conveyancing in Harbury?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Harbury. 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…’
I am using a search engine for the words on line conveyancing in Harbury it reveals numerous solicitorsin the area. With so much choice what is the best way to find the suitable conveyancer for me?
The best way of seeking a suitable conveyancer is via trusted referral, so seek the opinion of colleagues and relatives who have acquired a property in Harbury or a reputable estate agent or financial adviser. Fees for conveyancing in Harbury differ, so it's a good idea to request at least three fee estimates from varying types of property lawyers. Dont forget to clarify that the charges are assured not to to be inflated.