I am obtaining a mortgage offer from Halifax. My intention is to employ the services of a Licensed Conveyancer in Towcester. Does the Halifax Conveyancing panel include conveyancers regulated by the CLC?
The Halifax approved solicitor list is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Do all mortgage companies provide you with an approved list of Towcester conveyancing solicitors? How do you know who is on the Principality conveyancing panel?
Towcester conveyancing firms themselves provide us confirmation that they are on the Principality conveyancing panel as opposed to being supplied with a list from Principality directly.
About to place a bid on a leasehold apartment in Towcester. The selling agents say that it is the norm for flats in Towcester to have less than 75 years unexpired on the lease. I am taking out a loan with Bank of Ireland. Is this going to be a problem if the lease has 70 years left.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 14/1/2026 the requirements read as follows :
I am helping my sister sell her flat in Towcester. Will the conveyancer order an energy assessment or it is for me to see to?
After the demise of Home Information Packs, EPC’s became a required part of selling a house. An EPC should be commissioned prior to the property being advertised. This is not a task that lawyers ordinarily arrange. Where you are instructing a Towcester conveyancing lawyer they may be willing to arrange energy assessments given their contacts with reputable Towcester accredited person
We previously appointed conveyancing lawyers with offices in Towcester on the Kent Reliance solicitor panel. They have just billed me a separate sum for dealing with the Kent Reliance mortgage. Is this a supplemental conveyancing fee set by Kent Reliance?
Unfortunately, as long as it is in their Terms of Engagement or Quote then yes your conveyancer is entitled to charge a fee for this. The charge is not set by Kent Reliance but by your Towcester conveyancing practitioner. Numerous firms on the Kent Reliance panel will charge an ‘acting for lender’ fee but many firms incorporate it on their overall fee.
We have agreed to purchase a house in Towcester. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Lloyds be concerned?
As you are obtaining a mortgage with Lloyds your lawyer must follow the formal requirements set out in Section 2 of UK Finance Lenders’ Handbook for Lloyds. The Council of Mortgage Lenders’ Handbook includes minimum conditions for solar panel roof-space leases, and property lawyers are required to report to Lloyds where a lease does not satisfy these conditions. The specifications relate to the installation of panels on properties in England and Wales and is not isolated to Towcester.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on last month in what should have been a straight forward, chain free conveyancing. Towcester is where the house is located. Can you offer any guidance?
Flying freeholds in Towcester are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Towcester you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Towcester may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
We are a fortnight into a freehold purchase having been directed to conveyancers by the local agent to do our conveyancing in Towcester. I am am extremely dissatisfied with the level of service. Could you you assist me in finding new solicitors?
A solicitor would have to be very bad in order to consider changing them. Has the loan offer been sent? In the event that it has you will need to inform them of the new conveyancer and get the mortgage documents are re-issued. Your solicitor ideally needs to be on the banks panel to avoid supplemental costs and frustration. So that should be your first question of the new lawyers. The find a solicitor tool will assist you in finding a bank approved lawyer for your home move in Towcester