Our Ormesby solicitor has identified a difference when comparing the information in the home valuation report and what is revealed within the title deeds. My lawyer informs me that he is duty bound to check that the lender is happy with this discrepancy and is still content to lend. Is my lawyer’s approach appropriate?
Your property lawyer must comply with the UK Finance Lenders’ Handbook provisions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
When does exchange of contracts take place for domestic conveyancing in Ormesby and am I required to attend the conveyancers office?
If you are local to our conveyancing solicitors in Ormesby you are welcome to attend to sign contracts. That being said, the law practices we work with offer a nationwide conveyancing service and give as equally diligent and professional a job for you when communicating with you by post or email. The signing of the sale agreement is not the critical part. A signed contract is necessary for the firm to address the formalities when the time is right, which will usually be very shortly after signing. The procedure is nowadays normally dealt with by telephone and can be very rapid, although where an extended "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Ormesby)to be in the office at the appropriate time.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Ormesby. My lender is Virgin
Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 3/2/2026, the requirements read as follows :
I have been told that property searches are the number one cause of delay in Ormesby house deals. 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 within the most frequent causes of delays during the legal transfer of property. Local searches are not likely to be the root cause of delay in conveyancing in Ormesby.
What makes a Ormesby lease unacceptable for security purposes?
Leasehold conveyancing in Ormesby is not unique. Most leases are individual and drafting errors can result in certain sections are not included. The following missing provisions could result in a defective lease:
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A duty to insure the building A provision for the recovery of money spent for the benefit of another party.
You may encounter difficulties when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Birmingham Midshires, The Royal Bank of Scotland, and Aldermore all have very detailed requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is problematic they may refuse to provide security, forcing the purchaser to withdraw.
Leasehold Conveyancing in Ormesby - Sample of Queries Prior to Purchasing
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How many of the leaseholders are in arrears for their service charge payments? Is there a share of the freehold? It is important to be aware whether redecorating or some other major work is due in the near future to be shared by the leasehold owners and may well materially impact the level of the service costs or necessitate a specific invoice.
We are soon to buying a property in Ormesby. Conveyancing is not yet done but we wish to have the amount we are are buying for confidential from sites such as Zoopla. How do I ensure this is not disclosed?
HMLR are legally obliged to reveal price sold data on the official title for residential properties countrywide which includes homes in Ormesby. The Title Register is a public document, so HM Land Registry would be breaking the law excluded certain homes such as the property in Ormesby.
In essence you can ask HM Land Registry to withhold the price paid entry however the response would be in the negative.