Unfortunately I am unable to travel far from Hornchurch. I would like to know the reason why all Hornchurch property lawyers are not on all lender panels?
As unjust as it may seem for lenders to limit who can act for them, from the public’s or solicitor’s standpoint, the other side of the coin is that lenders are becoming ever more anxious and regard it necessary to protect them against mortgage fraud. As a result of this concern mortgage companies are limiting their panel of approved conveyancing lawyers to a size that they are happy to control.
My wife and I are refinancing our apartment in Hornchurch with Bank of Ireland. We have a son 19 who lives with us. Our solicitor has asked us to disclose any adults other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the property is repossessed. I have a couple of concerns (1) Is this form unique to the Bank of Ireland conveyancing panel as he never had to sign this form when we bought 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your Bank of Ireland conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Bank of Ireland. This is solely used to protect Bank of Ireland if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Bank of Ireland had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Hornchurch. My lender is Platform
Platform have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 29/10/2026, the requirements read as follows :
Me and my brother purchased a renovated Edwardian property in Hornchurch. Conveyancing solicitor represented me and Chelsea Building Society. I did a free Land Registry search last week and there are a couple of entries: the first freehold, another for leasehold under the matching address. I thought I was buying a freehold how can I check?
You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Hornchurch and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with lenders. You can also enquire as to the situation with the conveyancing lawyer who conducted the purchase.
I've recently found out that there is a flying freehold issue on a property I put an offer in two weeks back in what should have been a simple, chain free conveyancing. Hornchurch is the location of the property. What do you suggest?
Flying freeholds in Hornchurch are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Hornchurch you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hornchurch may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
I am a fortnight into a leasehold purchase having been recommend to solicitors by the selling agent to do our conveyancing in Hornchurch. I am am starting to be dissatisfied with the level of service. Could you you assist me in finding new lawyers?
A solicitor would have to be very poor to suggest replacing them. Has your mortgage offer been issued? If so you will need to inform them of the new contact details and get the offer are re-issued. Your solicitor ideally needs to be on the lenders panel to avoid added costs and delays. That should be your first question of the new conveyancers. Our find a solicitor tool should help you find a bank approved lawyer for your conveyancing in Hornchurch