Me and my fiance are purchasing residence in Staffordshire. My property lawyer is not on the mortgage company solicitor list. Can I still continue with my Staffordshire conveyancing solicitor notwithstanding that they are not on the mortgage company approved list?
One must use a property lawyer to complete the formalities if you need a mortgage to purchase your home. They will carry out all the necessary legal checks on the property, make sure that you’re registered as proprietor and ensure that all the necessary mortgage paperwork is dealt with. You may instruct a Staffordshire property lawyer of your choice. However, where the conveyancing practitioner selected is not a member of the mortgage company conveyancing panel supplemental fees will be incurred as separate legal representation will be required by them. Bank panel applications may be submitted, so provided your lawyer has not previously applied for membership they should take the chance to apply.
I am need of leasehold conveyancing for a flat in a relatively new development (seven years old) in Staffordshire. The vast majority the appartments have already been disposed of. Is it really necessary to order neighbourhood searches as part of conveyancing in Staffordshire?
You would be opening yourself up to an unnecessary risk in not carrying out Staffordshire conveyancing searches. Without searches you have no clarity over flooding, environmental etc which may mean you walk away due to potential problems down the line. If you are buying mortgage free there is no legal necessity to have them, but we would absolutely advise in the strongest possible terms that your lawyer conducts them. Where accelerating the process and expenses are primary issues you should discuss with your conveyancer about the options such as indemnity insurance available to you
Will my conveyancing lawyers need to check that the building insurance when buying a house in Staffordshire. My lender is Nationwide Building Society
Nationwide Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 3/10/2025, the requirements read as follows :
I bought my house on 2 November and the transaction details are still not registered. Should I be concerned? My conveyancing solicitor in Staffordshire expressed confidence that it will be registered in less than a month. Are transfers in Staffordshire particularly slow to register?
As far as conveyancing in Staffordshire registration is no faster or slower than the rest of England and Wales. As opposed to being determined by geographic area, timeframes can vary depending on the party submitting the application, whether there are errors and whether the Land registry communicate with any other persons or bodies. At present roughly 80% of submission are fully addressed within 12 days but occasionally there can be longer hold-ups. Registration takes place once the new owner has moved in to the property thus an expedited registration is not always primary concern but where it is urgent that the the registration takes place urgently then you or your solicitor must communicate with the Registry to express the reasoning for the application to be prioritised.
I'm purchasing a new build house in Staffordshire benefiting from help to buy. The builders refused to move on the price so I negotiated five thousand pounds worth of extras instead. The house builders rep advised me not inform my solicitor about the side-deal as it could affect my loan with National Westminster Bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder 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.
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