What does my ID and proof of funds have anything to do with my conveyancing in Spital? What am I being asked for?
You are right in these requests have nothing to do with conveyancing in Spital. However these days you can not proceed with any conveyancing transaction if you have not supplying evidence of your identity. Ordinarily this takes the form of a either your passport or driving licence as well as a utility bill. Remember if you are supplying your driving licence as evidence of identification it needs to be both the paper element as well as the photo card part, one is not acceptable in the absence of the other.
Verification of the source of monies is necessary in accordance with the Money Laundering Regulations. You should not be offended when you are asked to produce this as your conveyancing solicitor must have this information on record. Your Spital conveyancing lawyer will need to see evidence of proof of funds prior to accepting any monies from you into their client account and they should also ask further queries regarding the origin of monies.
My Solicitor in Spital is not on the Aldermore Solicitor Panel. Is it possible for me to continue with my family solicitor notwithstanding that they are excluded from the Aldermore list of approved lawyers?
Your options are as follows:
- Complete the purchase with your existing Spital solicitors but Aldermore will need to use a conveyancer on their panel. This will result in additional overall legal charges and cause frustration.
- Choose a new solicitor to to deal with the purchase, remembering to check they are on the Aldermore panel
My wife and I buying a terrace house in Spital. The intention is to an extension at the rear at the property.Will the conveyancing process include investigations to determine if these works are permitted?
Your solicitor will review the registered title as conveyancing in Spital will on occasion identify restrictions in the title documents which restrict certain changes or need the permission of another owner. Many works require local authority planning consent and approval under the building regulations. Many locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these issues with a surveyor ahead of any purchase.
I had an offer accepted on a property in Spital on 14/11/2025, valuation was booked 3 days after, all came back fine. Solicitor appointed, so all that was missing was my mortgage offer. Having made daily calls to Lloyds and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Lloyds conveyancing panel. Are Lloyds entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Lloyds to deal with your lawyer's application to be on the Lloyds conveyancing panel. There's no guarantee that your solicitor will be accepted.
After what feels like an age I have had an offer on a maisonette in Spital accepted, the owners do nevertheless have a connected purchase. The vendors have offered on a flat, however it’s not been accepted yet, and have viewings of other apartments booked. I have instructed a high street conveyancing solicitor in Spital. What should be my next step? At what stage do I apply for the mortgage with Virgin Money?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket prematurely (home loan application is approx £1k, then survey, Spital conveyancing search charges, etc). First, you should check that your conveyancer is on the Virgin Money approved list. As to the subsequent stages this very much dictated by the circumstances of your case, attraction to the property and on the state of the market. In a rising market many home buyers would apply for the mortgage with Virgin Money and pay for the valuation and only if it comes back ok would they pay their property lawyer to move forward with searches.
Is it necessary to pay for insurance to address the risk of chancel repairs when buying a house in Spital?
Unless a previous acquisition of the house took place after 12 October 2013 you can expect solicitors conducting conveyancing in Spital to remain recommending a chancel search and or insurance against a claim.
In sourcing the web for the term on line conveyancing in Spital it brings up numerous property lawyersin the area. With so much choice what is the best way to find the right solicitor for purchase transaction?
The ideal way of seeking the right conveyancer is via trusted referral, so enquire of colleagues and relatives who have bought a property in Spital or the local estate agent or mortgage broker. Fees for conveyancing in Spital differ, so it's sensible to secure a minimum of four estimates from varying types of solicitors. Be sure to secure confirmation that the costs are guaranteed not to rise.
I yesterday found out that one of the partners of the conveyancing practice undertaking the purchase conveyancing in Spital is related to the vendor. Is this acceptable?
Provided there is no conflict of interest this is allowable. If you are needing mortgage finance then the mortgage company may have a say as many mortgage companies have specific requirements on this. For example for Santander as of 25/12/2025, the requirements read as follows :