Me and my partner are buying a 1 bedroom flat in Kirk Ella with a mortgage. We like our Kirk Ella solicitor, however the bank says she’s not on their "panel". We have to appoint one of the lender panel conveyancing practices or keep our Kirk Ella lawyer as well as pay for one of their panel firms to act for them. We regard this is unjust; 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. Another option that might be available is for your Kirk Ella conveyancing solicitor to apply to be on the conveyancing panel.
Our Kirk Ella lawyer has spotted a difference between the information in the home valuation report and what is revealed within the conveyancing documents. My solicitor says that he needs to ensure that the lender is happy with this discrepancy and is content to go ahead. Is my conveyancer’s stance appropriate?
Your property lawyer must comply with the UK Finance Lenders’ Handbook requirements which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
When can the exchange of contracts happen for sale conveyancing in Kirk Ella and am I required to be at the lawyers office?
If you are round the corner to our conveyancing solicitors in Kirk Ella you are invited in to sign the paperwork. However, the lender approved solicitors we recommend provide a nationwide conveyancing service and give as equally comprehensive and professional a job for you when dealing with you by post or email. The signing of the purchase agreement is not when everything is set in stone. A signed contract is necessary for the conveyancer to officially exchange at the appropriate time, which will usually be very shortly after signing. The procedure is nowadays normally dealt with by telephone and can be very rapid, although where a long "chain" is in play, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Kirk Ella)to be in the office available at the end of the phone to exchange contracts.
I am purchasing a right to buy a flat in Kirk Ella. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Kirk Ella you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Kirk Ella.
We had appointed solicitors located in Kirk Ella on the Barclays solicitor approved list. They are now charging me a separate charge for the legal aspects of the Barclays mortgage. Is this a supplemental conveyancing fee set by Barclays?
As unfair as it may appear, as long as it’s in their Terms of Engagement or estimate then yes your lawyer may levy a fee for this. The charge is not dictated by Barclays but by your Kirk Ella lawyer. Numerous firms on the Barclays panel will quote an ‘acting for lender’ fee and others do not.
My offer was accepted on a house in Kirk Ella on 29/12/2025, valuation was booked 2 days after, received a clean bill of health. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Barclays and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Barclays conveyancing panel. Are Barclays entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.
I have instructed a Kirk Ella conveyancer having made sure that they are on the Nationwide conveyancing panel. Does my lawyer arrange the survey of the property?
Nationwide will need an independent valuation of the property. Your lawyer will not arrange this. Usually Nationwide will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Kirk Ella surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Despite weeks of looking the Title Certificate and documents to our property are lost. The solicitors who conducted the conveyancing in Kirk Ella 10 years ago have long since closed. What do I do?
Nowadays there are duplicates made of almost everything, and your conveyancer should know precisely where to look for all the appropriate paperwork so you can purchase or dispose of your house without any difficulty. If duplicates can’t be located, your solicitor can arrange cover in the form of insurance or indemnities protecting you against possible claims on the premises.