My conveyancer has identified a a legal deficiency with the lease for the flat we are purchasing in Longfield. The other side have offered defective title insurance as a solution. We are content with insurance and will pay for it. Our lawyer says that he must ensure that the mortgage company is content with this solution. Who is the client here, us or the bank?
Even though you have a mortgage offer from the mortgage company does not mean to say that the property will meet their specifications for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook specifications. You and the bank are the client. The appropriate lender provisions have to be complied with.
Can your site be used to recommend a Conveyancing solicitor in Longfield even if I’m not buying or selling a house, for instance if I wish to buy an office in Longfield with a loan from The Royal Bank of Scotland?
Our comparison service is primarily used to help choose domestic conveyancing solicitors in Longfield but we have recorded at the end of this page a selection of Longfield commercial conveyancing firms. You should make contact with the solicitors directly to check if they can also act for The Royal Bank of Scotland
After looking at consumer advice sites for a cheap lawyer in Longfield, many post that I should look for a CQS kitemarked lawyer. What is CQS?
The Conveyancing Quality Scheme (CQS) provides a kitemark for residential conveyancing practices issued by the Law Society. Membership achievement establishes a level of credibility for member firms with stakeholders (regulators, lenders, insurers and consumers) based upon: * the integrity of the senior responsible officer and other key conveyancing staff * the firm's adherence to good practice management standards * adherence to best practice conveyancing processes via the scheme protocol Membership includes many companies who conduct conveyancing in Longfield.
It is unclear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Longfield bank branch on numerous occasions and was told they are content with the situation and they would lend. My Longfield conveyancing solicitor - who is on the bank conveyancing panel- telephoned and was told they will not lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?
Provided that the conveyancing practitioner is on the mortgage company panel, they must adhere to the Council of Mortgage Lenders’ Handbook specifications for the bank. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
I had an offer accepted on a property in Longfield on 1/6/2026, valuation was booked five days later, received a clean bill of health. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Skipton and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Skipton conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Skipton to deal with your lawyer's application to be on the Skipton conveyancing panel. There's no guarantee that your solicitor will be accepted.
My offer on a house in Longfield has been accepted, the owners do however have an associated purchase. The sellers have put an offer on a property, but it’s not been accepted yet, and have viewings of other flats booked. I have selected a nearby conveyancing solicitor in Longfield. What do I do now? At what point should I apply for the mortgage with Kent Reliance?
It is normal to have concerns where there is a chain as you are unlikely to want to incur expenses too early (home loan application is in the region of one thousand pounds, then valuation, Longfield conveyancing search costs, etc). First, you must check that your conveyancer is on the Kent Reliance conveyancing panel. As to the next stages this very much dictated by the uniqueness of your transaction, motivation for the property and on the state of the market. In a buoyant market the majority of home buyers will apply for the mortgage with Kent Reliance and pay for the valuation and only if it was satisfactory would they request their property lawyer to move forward with searches.
Various web forums that I have visited warn that are the number one reason for delay in Longfield house deals. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) released conclusions of a review by MoveWithUs that conveyancing searches do not figure within the top 10 causes of hindrances in the conveyancing process. Searches are unlikely to be the root cause of slowing down conveyancing in Longfield.
I have justbecome aware that Action Conveyancing have been shut down. They conducted my conveyancing in Longfield for a purchase of a leasehold flat 10 months ago. How can I be sure that the property is not still registered in the name of the former proprietor?
The easiest method to see if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Longfield conveyancing specialists.