My mortgage broker has requested my Redruth law firm’s panel reference for the HSBC conveyancing panel. What is the best way to obtain this. I have e-mailed my local Redruth office but they have not responded to me.
Have you tried calling your Redruth solicitor about this?. Most Redruth law practices will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each bank.
I have 71 years remaining on my lease and need a lease extension for my flat in Redruth. Conveyancing solicitors on the Accord Mortgages panel can deal with such extensions right?
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. Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 8/4/2026 the requirements read as follows :
We are purchasing a property and the solicitor has raised the issue of Chancel Repair to which the property may be obligated to pay as it falls into the area of such a church. She has recommended insurance. Is this really necessary for conveyancing in Redruth
Unless a prior purchase of the premises took place post 12 October 2013 you could expect solicitors conducting conveyancing in Redruth to continue to advocate a chancel search and or chancel repair liability insurance.
I'm purchasing a new build house in Redruth with a mortgage from Alliance & Leicester . The builders would not budge the amount so I negotiated £7000 of additionals instead. The house builders rep advised me not disclose to my conveyancer about this extras as it would impact my loan with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Yesterday I discovered that there is a flying freehold issue on a property I put an offer in two weeks back in what was supposed to be a straight forward, chain free conveyancing. Redruth is the location of the property. Can you shed any light on this issue?
Flying freeholds in Redruth are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Redruth you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Redruth may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I am an executor of my recently deceased mum’s Will, with a bungalow in Redruth which will be sold. The house has never been registered at the Land Registry and I'm advised that some estate agents will insist that it is in place before they will proceed. What's the procedure for this?
In the situation you refer to it seems prudent to apply to register in the names of the personal representative(s) as named in the probate and in their capacity as PRs. HMLR’s online guidance explains how to register for the first time and what is required re the deeds and forms. You would need to include and certified copy of the probate as well and complete the form FR1 to refer to the PRs as the applicant.