My wife and I are looking to buy a house in Ratcliff and are in fact using a Ratcliff conveyancing firm. Within the last couple of days our lawyer has forwarded the sale agreement to be signed with a detailed report with the expectation that exchange is imminent. Clydesdale have this morning contacted us to advise us that there is now an issue as our Ratcliff solicitor is not on their conveyancing panel. What do we do from here?
If you are buying a property needing a mortgage it is standard for the purchasers' lawyers to also act for the purchaser's lender. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your property lawyer should contact your bank and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own lawyers to represent them. You don't have to instruct a firm on the lender’s conveyancing panel as you are at liberty to use your preferred Ratcliff lawyers, in which case your legal fees may increase, and it may delay matters as you are adding another lawyer into the mix.
We note that you have a search directory identifying law firms on the RBS conveyancing panel. Do firms pay you a commission if I retain them for our own conveyancing in Ratcliff?
We are a listing service only for law firms wishing to communicate if they are on the RBS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Ratcliff.
I am about to put a bid on a leasehold apartment in Ratcliff. The selling agents assure me that it is usual for flats in Ratcliff to have less than 75 years unexpired on the lease. I am obtaining a mortgage with Platform. Is this going to be a problem if the lease has 69 years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Platform have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 19/8/2026 the requirements read as follows :
Despite weeks of looking the Title Certificate and documents to our property can not be found. The conveyancers who handled the conveyancing in Ratcliff 10 years ago no longer exist. What are my next steps?
Assuming you have a registered title the details of your proprietorship will be documented by the Land Registry with a Title Number. It is possible to perform a search at the Land Registry, find your property and get up to date copies of the Registered Entries for less than a fiver. If the title is Leasehold then the Land Registry will usually retain a file copy of the Registered Lease and again, a copy can be obtained for £20 inclusive of VAT.
I am looking for a leasehold apartment up to £245,000 and identified one near me in Ratcliff I like with amenity areas and station nearby, the downside is that it only has 49 years unexpired on the lease. I can't really find anything else in Ratcliff in this price bracket, so just wondered if I would be making a grave error purchasing a lease with such few years left?
If you require a home loan the shortness of the lease may be an issue. Discount the price by the anticipated lease extension will cost if it has not already been discounted. If the current owner has owned the premises for a minimum of twenty four months you could request that they commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease term with a zero ground rent applied. You should speak to your conveyancing lawyer about this.
What is different about your site and alternative online quote calculators for conveyancing in Ratcliff?
At this site get an accurate costs illustration from a Solicitor or Licensed Conveyancer that has a full understanding of the nuances for your conveyancing in Ratcliff. As opposed to estate agents and brokerage sites we are not in the business of charging firms a fee if you instruct them for your property ownership legalities in Ratcliff