My lawyer has discovered a a legal deficiency with the lease for the apartment we are buying in Westcliff On Sea. The other side have offered defective title insurance as a workaround. We are happy with insurance and will pay for it. Our conveyancing practitioner has advised that he must check that the bank is willing to move forward with this solution. Who is the client here, us or the bank?
Even though you have a mortgage offer from the bank does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the bank are the client. The appropriate lender specifications must be adhered to.
We're in Westcliff On Sea, FTBs buying with a mortgage (lender is Bank of Ireland , and our lawyer is on the Bank of Ireland conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Bank of Ireland conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no property lawyer should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
What is your number one tip for finding a conveyancing solicitor in Westcliff On Sea
We would encourage you not to go for the lowest Westcliff On Sea conveyancing fees. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
I am due to move house in December. Does my conveyancing solicitor call the removal company on the day of completion. On a separate note, can you recommend a removal company in Westcliff On Sea. Conveyancing solicitor was found before I stumbled across your site.
On the afternoon of completion you will need to collect the house keys from your selling agent but this can only occur once the vendors lawyers inform the agent that the monies to complete are in and the keys can be released. You should inform the removal company that they can start moving you in. As a matter of policy we do not recommend a particular removal organisation but can help you locate a conveyancing in Westcliff On Sea or a firm with expertise in conveyancing in Westcliff On Sea.
My offer was accepted on a house in Westcliff On Sea on 22/9/2025, valuation was booked 4 days later, received a clean bill of health. Property lawyer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Santander and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Santander conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.
Do I need to take out insurance to cover chancel repairs when acquiring a house in Westcliff On Sea?
Unless a prior acquisition of the property completed post 12 October 2013 you could assume that conveyancing practitioners delivering conveyancing in Westcliff On Sea to continue to propose a a chancel search and or insurance against a claim.
I am buying my first flat in Westcliff On Sea with a loan from Halifax. The developers refused to move on the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent advised me not to tell my solicitor about this side-deal as it will adversely affect my loan with Halifax. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer 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.
Our lawyer in Westcliff On Sea has identified a a legal deficiency with the lease for the apartment we are buying in Westcliff On Sea. The seller’s lawyers have suggested defective title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer has advised that as he is on the bank conveyancing panel he must be satisfied that the lender is happy with this solution. Are we the client or is the bank?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the bank are the client. A precondition to being on the bank approved panel is to comply with the UK Finance Lenders’ Handbook requirements. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects will the lease so that the mortgage company can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . 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.