We are planning to purchase a 2 bedroom flat in Nafferton with a mortgage. We like our Nafferton conveyancer, but the bank says he's not on their "panel". We have to appoint one of the mortgage company panel conveyancing practices or keep our Nafferton solicitor and pay for one of their panel lawyers to represent them. We feel that this is inequitable; can we not insist that the mortgage company use our Nafferton conveyancer ?
Unfortunately,no. Your mortgage offer 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 Nafferton conveyancing solicitor to apply to be on the conveyancing panel.
Due to complete my purchase in Nafferton next Tuesday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as she informs me that she is duty bound to validate that it is in order for the lender. What risks does the bank expect the insurance to cover?
Any lawyer on acting for mortgage companies would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in a lender’s Part 2 requirements. These obligations are not unique to conveyancing in Nafferton.
We were going to get a DIP from UBS this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do UBS recommend any Nafferton solicitors on the UBS conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Nafferton solicitors independently although you'll need to choose one on the UBS conveyancing panel. The solicitor represents both you and UBS through the process.
I have paid off my mortgage with Yorkshire BS. I assume I don't need a Nafferton lawyer on the Yorkshire BS panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Yorkshire BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Yorkshire BS mortgage from the register. Yorkshire BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Yorkshire BS has sent the Land Registry the discharge electronically, and
- Yorkshire BS has instructed the Land Registry to do so
I had an offer accepted on a house in Nafferton on 17/10/2025, valuation was booked 3 days later, received a clean bill of health. Solicitor instructed, so all that was missing was my mortgage offer. Having made daily calls to Clydesdale and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Clydesdale conveyancing panel. Can the lender hold off the offer?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.
I require quick conveyancing in Nafferton as I am faced with a deadline to sign on the dotted line inside 4 weeks. Luckily I do not need a mortgage. Can I decline from having conveyancing searches to save fees and time?
If.Given you are not getting a mortgage you have the choice not to have searches carried out although no conveyancer would advise that you don't. Drawing on our experience of conveyancing in Nafferton the following are examples of what can appear and therefore impact the marketability of the property: Enforcement Notices, Outstanding Charges, Outstanding Grants, Unadopted Roads,...
Are there restrictive covenants that are commonly identified as part of conveyancing in Nafferton?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Nafferton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am buying a new build flat in Nafferton. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Set out below is a sample of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Nafferton
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The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Please supply a car parking plan. Please confirm the Lease plans are surveyor prepared.