My wife and I are intending to acquire a 1 bedroom apartment in Redruth with a mortgage. We have a Redruth solicitor, but the lender advise he's not on their "panel". We have to appoint one of the mortgage company panel firms or keep our Redruth conveyancing practitioner and pay for one of their panel ones to represent them. This seems very unfair; can we not insist that the lender use our Redruth property lawyer ?
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. A further alternative is for your Redruth conveyancing solicitor to apply to be on the conveyancing panel.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Redruth. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 29/3/2025, the requirements read as follows :
I have a 4 bedroom Georgian house in Redruth. Conveyancing solicitor represented me and Accord Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, the second leasehold under the exact same property. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register as there may be 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 Redruth and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the situation with the conveyancing practitioner who conducted the work.
I need to appoint a conveyancing solicitor for some conveyancing in Redruth. I happened to chance upon a web site which looks to be the perfect solution If there is a chance to get all the legals done via email that would be ideal. Should I be concerned? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
I am in need of some leasehold conveyancing in Redruth. Before I get started I require certainty as to the remaining lease term.
Assuming the lease is registered - and 99.9% are in Redruth - then the leasehold title will always include the short particulars of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.
Redruth Conveyancing for Leasehold Flats - A selection of Queries before Purchasing
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What is the name of the managing agents? On the whole the cost for major works tend not to be built into the service charges, albeit that some managing agents in Redruth ask tenants to pay into a sinking fund created for the specific purpose of establishing a fund for larger works. Is anyone aware of any major works in the near future that will add a premium to the maintenance charges?
I am planning to acquire a property and require a conveyancing solicitor in Redruth who is on the lender conveyancing panel. Can you recommend a Redruth or local firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for the bank who conduct conveyancing in Redruth. We dont recommend any particular firm.