Are you able to suggest a The Mortgage Works allowed Overton conveyancing practice that can complete within under 3 weeks? Am I best advised to choose a local Overton firm or an internet comparison site?
We can recommend some very good Overton conveyancing firms. Another option is to visit the high street in Overton. Visit two or three firms and request to see a conveyancing solicitor for a quote. Explain your requirements together with your reasons and ask for an assurance on your deadline. Appoint the one that appears most efficient.
We wish to acquire a newly converted flat in Overton with a residential mortgage from The Mortgage Works.We use our Overton conveyancing lawyer but The Mortgage Works says she’s not on their "panel". we are left little option but to use a The Mortgage Works panel firm or retain our preferred solicitor and pay for one of their panel ones to act for them. We feel as though this is unjust; is there anything we can do?
Unfortunately,no. The loan offered to you contains terms and conditions, one of which will be that lawyers must be on the The Mortgage Works solicitor panel. in the past, most lenders had large numbers of solicitors 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. A further alternative is for your lawyer to apply to be on the conveyancing panel for The Mortgage Works
The mortgage over my property is with Coventry BS for my property in Overton. Conveyancing was finalised 12 months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Coventry BS?
Your original mortgage agreement with Coventry BS will provide that you need their approval before renting your property as this is likely to be a breach of Coventry BS’s mortgage conditions. It may be that Coventry BS will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Coventry BS directly. You need not do this via a Coventry BS conveyancing panel solicitor.
My offer was accepted on a house in Overton on 8/10/2025, valuation was booked five days later, all came back fine. Property lawyer instructed, so the only thing outstanding 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. Are HSBC entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue a mortgage 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.
At last I have had an offer on a flat in Overton accepted, the owners do however have an associated purchase. The owners have offered on a flat, however it’s not yet tied up, and are looking at other properties in the pipeline. I have selected a local conveyancing solicitor in Overton. What should be my next step? When should I get the mortgage application with Skipton started?
It is usual to have concerns where there is a chain as you are unlikely to want to incur costs too early (mortgage application is in the region of £1k, then valuation, Overton conveyancing search charges, etc). First, you must ensure that your conveyancing practitioner is on the Skipton conveyancing panel. As to the next phase this very much dictated by the uniqueness of your transaction, desire for the property and on the state of the market. In a hot market some buyers would apply for the mortgage with Skipton and pay for the valuation and only if it was satisfactory would they pay their conveyancer to press on with searches.
Me and my brother own a renovated Edwardian property in Overton. Conveyancing lawyer acted for me and Norwich and Peterborough Building Society. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, the second leasehold with the exact same address. I thought I was buying a freehold how can I check?
You should review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Overton and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the position with your conveyancing solicitor who conducted the purchase.
Due to the advice of my in-laws I had a survey completed on a property in Overton prior to retaining solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor advised that some lenders will refuse to issue a loan on this type of home.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Birmingham Midshires. Should you wish to call us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Overton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Overton to see if the conveyancing will be more expensive.
Hoping to buy a property located in Overton and I am already nervous. I couldn't find anything specific about Overton. Conveyancing will be needed in due course but do you know about the Overton area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Overton. In the meantime here are some basic statistics that we found