My wife and I are purchasing a 2 bedroom apartment in Moreton with a mortgage. We have a Moreton lawyer, but the mortgage company says he's not on their "panel". It appears that we have no choice but to select one of the bank panel firms or retain our Moreton solicitor and pay for one of their panel lawyers to act for them. This seems very unfair; can we not require that the lender use our Moreton solicitor ?
No, not really. 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 Moreton conveyancing lawyer to apply to be on the conveyancing panel.
Why is leasehold purchase conveyancing in Moreton costs more?
The conveyancing fees for a leasehold property in Moreton is frequently greater as compared to a freehold residence. This is because there is an amount of extra investigations required in dealing with the landlord and managing agents to collate the evidence concerning whether the rent and maintenance charges have been discharged and whether there are any significant expenditure in the near future on repairs or maintenance of the building.
When it comes to lenders such as Co-operative, do Moreton conveyancing practitioners face a fee to be on the list of approved solicitors?
We are unaware of any mortgage company fees to register on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
About to purchase apartment in Moreton. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Bank of Ireland conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Moreton conveyancer is on the Bank of Ireland conveyancing panel.
I had an offer accepted on a house in Moreton on 4/12/2025, valuation was booked 3 days after, received a clean bill of health. Property lawyer instructed, so all that was missing was my mortgage offer. Having made daily calls to HSBC and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the HSBC 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 HSBC to deal with your lawyer's application to be on the HSBC conveyancing panel. There's no guarantee that your solicitor will be accepted.
The deeds to my house can not be found. The conveyancers who dealt with the conveyancing in Moreton 4 years ago have long since closed. What are my options?
Gone are the days when you need to hold title deeds to prove you are the registered proprietor of land or property, as the Land Registry hold details of all registered land or property electronically.
About to purchase a new build apartment in Moreton. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Here is a sample of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Moreton
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Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier?
I am a fortnight into a leasehold purchase having been referred to conveyancers by the estate agent to perform conveyancing in Moreton. I am am extremely disappointed with the quality of service. Can you help me find new lawyers?
A lawyer would have to be very poor in order to consider diss instructing them. Has your mortgage been issued? If so you need to make them aware of the replacement lawyer and ensure the offer are re-sent. The conveyancer should be on the banks panel to avoid added expenses and frustration. That should be your starting point. Our search tool should assist you in finding a bank approved conveyancer for your home move in Moreton