Our solicitor has uncovered a a legal deficiency with the lease for the flat we are buying in Warlingham. The seller’s lawyers have offered title insurance as a solution. We are happy with insurance and will cover the costs. Our conveyancer says that he must check that the bank is happy with this solution. Are we the client or is the bank?
Notwithstanding that you have a mortgage offer from the bank does not mean to say that the property will meet their specifications for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook specifications. You and the mortgage company are the client. These conveyancing instructions have to be complied with.
A relative informed me that in purchasing a property in Warlingham there could be a number of restrictions affecting the ability to carry out external alterations to the property. Is this right?
There are anumerous of properties in Warlingham which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Warlingham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have decided to exercise my right to buy my property in Warlingham off the council. I have a mortgage offer with Nottingham. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Nottingham, you will need to appoint a solicitor on the Nottingham conveyancing panel.
Leeds Building Society have agreed my home loan in principle, my offer on a house in Warlingham has been accepted, now what?
Your property agent will need to be advised as to your solicitor's details (make sure the solicitors are on the lender’s approved list). Telephone Leeds Building Society or your broker and complete any relevant forms. Leeds Building Society will instruct a valuer who will get in contact with the selling agent or seller to book a slot for the valuation to happen. Once conducted (assuming no problems) it takes approximately a week to get a mortgage offer. Leeds Building Society will send the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Warlingham.
How does conveyancing in Warlingham differ for new build properties?
Most buyers of new build residence in Warlingham come to us having been asked by the seller to sign contracts and commit to the purchase even before the residence is constructed. This is because developers in Warlingham typically purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Warlingham or who has acted in the same development.
How do I use the search facility to find a conveyancing lawyer in Warlingham on the approved list for my mortgage?
Step one is to pick a bank such as Yorkshire Building Society, Virgin Money or Alliance & Leicester then specify your location such as Warlingham. Conveyancing organisations in Warlingham and nationally should be identified.
My father has encouraged me to use his lawyers for conveyancing in Warlingham. Should I use them?
There are no two ways about it the best way to select a conveyancing solicitor is to get referrals from friends or family who have previously instructed the firm that you are contemplating using.
I yesterday become aware that one of the partners of the conveyancing practice undertaking the purchase conveyancing in Warlingham is a relative of the seller. Is this permitted?
As long as there is no conflict of interest this is allowable. If you are needing a home loan then the lender may have a say as many lenders have specific requirements on this. For example for Coventry Building Society as of 4/11/2025, the requirements read as follows :