The Southwell conveyancing firm handling our Southwell conveyancing has uncovered a discrepancy when comparing the information in the valuation report and what is revealed within the legal papers for the property. My solicitor has advised that he needs to ensure that the lender is OK with this discrepancy and is still content to lend. Is my lawyer’s stance appropriate?
Your solicitor must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Southwell. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 18/6/2025, the requirements read as follows :
I am being advised by my lawyer that breach of easement insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Southwell?
The appropriate level of breach of easement indemnity insurance should be dictated by who who your lender is. It would differ for example between Halifax and Chelsea Building Society. Conveyancing solicitors as opposed to members of the public take out such policies.
Last month we had a mortgage agreed in principle with TSB. Southwell conveyancing solicitors have been chosen. How long does it take for TSB to issue the offer to the solicitor?
Some lenders take longer than others. Have TSB completed the valuation? Have you advised TSB as to your lawyers' details and checked that your lawyers are on the TSB conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
We have agreed to purchase a house in Southwell. An unusual aspect is that the roof has a solar panel. HSBC have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is HSBC your lawyer must comply with the formal instructions contained in Section two of UK Finance Lenders’ Handbook for HSBC. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and solicitors are required to report to HSBC where a lease does not meet these conditions. The provisions relate to the installation of panels on properties nationwide and is not isolated to Southwell.
Should commercial conveyancing searches reveal proposed roadworks that could impact a commercial premises in Southwell?
Many commercial conveyancing solicitors in Southwell will order a SiteSolutions Highways report as it reduces the time that conveyancers invest in sourcing accurate data on highways that impact buildings and development assets in Southwell. The report provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Southwell.
For each commercial conveyancing transaction in Southwell it is critical to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been dealt with adequately could cause delays to Southwell commercial conveyancing transactions as well as present a risk to future intentions for the site. These searches are not carried out for domestic conveyancing in Southwell.
Despite weeks of looking the Title Certificate and documents to my house are lost. The conveyancers who handled the conveyancing in Southwell 10 years ago have long since closed. What are my options?
You no longer need to hold title original deeds to prove you are the owner of your registered land or property, given that the Land Registry hold details of all registered land or property electronically.
The conveyancing solicitors carrying out our conveyancing in Southwell has forwarded papers to review that state the property is unregistered with epitome documents. Why is the property not registred at HMLR?
Most property in Southwell is registered. An 'epitome' is basically a dossier of photocopies of documents affecting an unregistered title. Plenty of Southwell conveyancing lawyers will be familiar with this type of conveyancing but in the event that uncertainty reigns the conventional proposition presently appears to be for the current owners to deal with the registration formalities first and subsequently sell - this no doubt cause a significant delay.