Much to our surprise we have been advised by our lender that my Robin Hoods Bay the law firm I have appointed is not on the lender Solicitor panel. What can I do to be sure that this is correct?
The first thing you need to do is to contact your Robin Hoods Bay lawyer directly. It is reasonable to expect your lawyer to inform you of the situation. If they are not on the panel they may recommend you to a Robin Hoods Bay conveyancing practice that is on the conveyancing panel for your bank.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Robin Hoods Bay. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 6/8/2025, the requirements read as follows :
Have just purchased a repossessed house at auction in Robin Hoods Bay. Conveyancing is necessary. What are my next steps?
Now that you are exchanged you now have to instruct a conveyancing solicitor as a matter of priority as you are facing a tight a drop dead date to complete the purchase. All auction property will ordinarily have an associated legal pack. This should include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold property the conveyancing papers should include a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork relating to leasehold premises. You should hand this to the lawyer working for you as soon as possible. You also need to ensure that your finances are in place to complete the transaction on the set completion date.
My aunt informed me that in buying a property in Robin Hoods Bay there could be various restrictions preventing external alterations to a property. Is this right?
We are aware of a number of properties in Robin Hoods Bay which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Robin Hoods Bay should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am purchasing a property in Robin Hoods Bay. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Principality be concerned?
Given that your lender is Principality your lawyer must check the formal requirements contained in Part two of UK Finance Lenders’ Handbook for Principality. The Council of Mortgage Lenders’ Handbook contains minimum provisions for solar panel roof-space leases, and conveyancers are required to report to Principality where a lease does not satisfy these conditions. The requirements relate to the installation of panels on properties countrywide and is not limited to Robin Hoods Bay.
Will my conveyancer be making enquiries concerning flooding during the conveyancing in Robin Hoods Bay.
The risk of flooding is if increasing concern for lawyers dealing with homes in Robin Hoods Bay. Some people will acquire a property in Robin Hoods Bay, completely expectant that at some time, it may be flooded. However, leaving to one side the physical destruction, where a property is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory insurance cover, or sell the premises. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Lawyers are not qualified to impart advice on flood risk, but there are a number of searches that may be undertaken by the buyer or on a buyer’s behalf which should give them a better understanding of the risks in Robin Hoods Bay. The standard completed inquiry forms sent to a purchaser’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a standard inquiry of the seller to find out whether the property has suffered from flooding. In the event that flooding has previously occurred which is not notified by the owner, then a buyer could bring a compensation claim resulting from an misleading response. The purchaser’s lawyers may also order an environmental search. This should indicate whether there is a recorded flood risk. If so, additional inquiries will need to be conducted.
I opted to have a survey completed on a house in Robin Hoods Bay ahead of appointing solicitors. I have been told that there is a flying freehold aspect to the house. Our surveyor advised that some mortgage companies tend not issue a loan on such a premises.
It varies from the lender to lender. Bank of Scotland has different requirements for example to Halifax. Should you wish to call us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Robin Hoods Bay. Conveyancing may be slightly more expensive based on your lender's requirements.
Given that I will soon part with hundreds of thousands of pounds on a house in Robin Hoods Bay I wish to have a conversation with the lawyer regarding thehouse move ahead of giving the go ahead to the firm. Is this something that you can arrange?
This is something that we encourage - we would be pleased to talk to you we do not take any clients on without you speaking to the conveyancer who will be conducting your property ownership legalities in Robin Hoods Bay.There is no ‘factory style conveyancing’ - every client is an important person, not a file reference. The law firms that we put you in touch with believe that the figure you are quoted for your conveyancing in Robin Hoods Bay should be the figure that you are charged.