I am getting a mortgage with Santander. I intend to enlist the help of a Licensed Conveyancer in Loughton. Does the Santander Conveyancing panel exclude Licensed Conveyancers?
The Santander conveyancing panel is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
My fiancee and I are purchasing our first home. Our solicitor has messagedto ask if we would like to take out supplemental conveyancing searches. Frankly we are clueless as to what's relevant for conveyancing in Loughton
The range of Loughton conveyancing searches should be dictated primarily on the property, the location, the possibility of any of these risks, your familiarity of the locality and risks, your overall appetite to risk. What matters is that you properly comprehend what information each search could supply. You may then make a decision if you personally think you need that information. Where you are in doubt, ask the lawyer to guide you.
I own a freehold premises in Loughton but still invoiced for rent, why is this and what is this?
It’s unusual for properties in Loughton and has limited impact for conveyancing in Loughton but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the establishment of new rentcharges from 1977 onwards.
Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence post 2037 will be extinguished.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Loughton. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 5/8/2026, the requirements read as follows :
I have been told that property searches are the primary cause of hinderance in Loughton conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the findings of a review by MoveWithUs that conveyancing searches do not figure amongst the common causes of delays during the legal transfer of property. Searches are unlikely to feature in any slowing down conveyancing in Loughton.
I opted to have a survey done on a property in Loughton prior to appointing solicitors. I have been informed that there is a flying freehold overhang to the property. My surveyor has said that some banks will not issue a loan on this type of premises.
It depends who your proposed lender is. Santander has different requirements from Halifax. If you call us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Loughton. Conveyancing may be slightly more expensive based on your lender's requirements.