Will my conveyancing lawyers need to check that the building insurance when buying a house in Reigate. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 13/8/2025, the requirements read as follows :
This question may be naive but I am wet behind the ears as FTB of a ground floor flat in Reigate. Do I collect the keys to the property on completion from my solicitor? If this is the case, I will appoint a local conveyancing solicitor in Reigate?
There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the purchase money to the vendor’s lawyers, and once they have received this, you will be invited to receive the keys from the Estate Agents and move into your new home. This tends to happen between 1 and 3pm.
Are all Reigate Conveyancing Quality Solicitors on the UBS conveyancing list of approved solicitors?
A selection of lenders now use CQS as the kick off point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. Nevertheless,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitors wishing to remain on their approved list of conveyancing solicitors.
I have decided to exercise my right to buy my property in Reigate off the council. I have a mortgage offer with Skipton. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Skipton, you will need to appoint a solicitor on the Skipton conveyancing panel.
I require fast conveyancing in Reigate as I am faced with an ultimatum to sign on the dotted line in less than 4 weeks. A home loan is not required. Can I avoid the conveyancing searches to save fees and time?
If.Given you are not getting a mortgage you are at liberty not to do searches although no solicitor would advise that you don't. Drawing on our experience of conveyancing in Reigate the following are examples of what can crop up and adversely affect future mortgageability: Refused Planning Applications, Outstanding Charges, Outstanding Grants, Railway Schemes,...
Over the last few months I have been searching for a leasehold apartment up to £245,000 and identified one near me in Reigate I like with a park and transport links in the vicinity, however it's only got 51 years on the lease. I can't really find anything else in Reigate in this price bracket, so just wondered if I would be making a grave error acquiring a lease with such few years left?
Should you require a mortgage the remaining unexpired lease term will be a potential deal breaker. Reduce the price by the anticipated lease extension will cost if it has not already been discounted. If the current proprietor 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 current lease term and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this matter.
I am looking into buying my first house which is in Reigate and I am already nervous. I couldn't find anything specific about Reigate. Conveyancing will be needed in due course but do you know about the Reigate area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Reigate. In the meantime here are some basic statistics that we found
Our bank agreed in principle to grant us a mortgage. We are using a long established conveyancer in Reigate yesterday. This morning, our mortgage adviser called to say that the mortgage company said that we cannot use our solicitor as they aren't on their panel. As FTB's, we did not have a clue that the bank had a say Is this allowed?
You are permitted to use any conveyencer you prefer to choose including the said conveyancer in Reigate however if your bank aren't happy with them you will have to fork out additional cost so your lender can retain their own lawyers. It may be conceivable that your solicitor may apply to get included on to the lender list of approved firms. Do make the most of online tools such as lenderpanel.com to find a conveyancing solcitor in Reigate on the bank panel. You can go into your local bank branch in Reigate. They will know some good conveyancing solicitors in Reigate on the approved list.