We are hoping to acquire a 2 bedroom apartment in Moston with a mortgage. We would like to retain our Moston solicitor, however the mortgage company says he's not on their "panel". It appears that we have no option but to appoint one of the bank panel firms or retain our Moston property lawyer as well as pay for one of their panel firms to represent them. We feel that this is inequitable; can we not demand that the mortgage company use our Moston solicitor ?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the bank’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 Moston conveyancing solicitor to apply to be on the conveyancing panel.
I have given 8 weeks notice to my existing landlord and have to be out of my let out flat in Moston by the end of next month. Conveyancing for my house purchase is underway. Is it possible to complete in three weeks as I wish to avoid having to move into short term accommodation?
It is unwise to give notice for your lease unless exchange of contracts has taken place. Assuming that you have not already done so, speak to your conveyancer and ask them to they seek the assistance the owners side, try to get a realistic time scale from them that all parties will aim to achieve
It is 10 years ago since I bought my property in Moston. Conveyancing lawyers have recently been retained on the sale but I can't track down the deeds. Is this a problem?
You need not be too concerned. First there is a possibility that the deeds will be retained by your lender or they may be archived with the conveyancers who handled the purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to establish that you own the property by your conveyancing solicitors procuring up to date copy of the land registers. Nearly all conveyancing in Moston involves registered property but in the rare situation where your property is unregistered it adds to the complexity but is not insurmountable.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Moston. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 9/1/2026, the requirements read as follows :
I am being told by my conveyancer that lack of building regulations insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Moston?
The appropriate level of lack of building regulations indemnity insurance depends on your lender. It would differ for example between Yorkshire Building Society and The Royal Bank of Scotland. Conveyancing lawyers as opposed to members of the public take out such policies.
My wife and I have organised the release of further funds on our mortgage from Principality as we intend to carry out alterations to our home in Moston. Are we obliged to appoint a high street Moston solicitor on the Principality conveyancing panel to deal with the paperwork?
Principality do not ordinarily require a member of their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Principality list.
The formalities of my purchase has taken place for my property in Moston. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I've recently found out that there is a flying freehold issue on a property I put an offer in last month in what was supposed to be a simple, chain free conveyancing. Moston is where the house is located. Is there any advice you can impart?
Flying freeholds in Moston are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Moston you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Moston may determine 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 premises.