Our conveyancer has discovered a defect with the lease for the flat we are purchasing in Windlesham. The seller’s lawyers have offered title insurance as a solution. We are content with insurance and will cover the costs. Our property lawyer has advised that he must be satisfied that the lender is happy with this solution. Are we the client or is the mortgage company ?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the bank are the client. Your conveyancer must comply with the UK Finance Lenders’ Handbook provisions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with 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.
How up to date is your database of Windlesham solicitors on the Virgin Money conveyancing panel? Do Virgin Money send you an updated list?
Windlesham conveyancing firms themselves provide us confirmation that they are on the Virgin Money conveyancing panel as opposed to being supplied with a list from Virgin Money directly.
Forgive me if this question is silly but I am unseasoned as a 1st time buyer of a ground floor flat in Windlesham. Do I pick up the keys to the property on completion from my conveyancer? If so, I will find a High Street conveyancing solicitor in Windlesham?
On the day of completion you will not be required to go to the conveyancers office in Windlesham. Your solicitors will electronically transfer the completion advance to the owner’s lawyers, and shortly after the monies have arrived, you should be invited to collect the keys from the selling Agents and move into your new home. This tends to happen early afternoon.
I had an offer accepted on a property in Windlesham on 17/10/2025, valuation was booked 3 days later, received a clean bill of health. Conveyancer instructed, so all that was missing was my mortgage offer. Having made daily calls to TSB and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the TSB conveyancing panel. Are TSB entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for TSB to deal with your lawyer's application to be on the TSB conveyancing panel. There's no guarantee that your solicitor will be accepted.
After shopping around on the internet I have found a Windlesham conveyancer having made sure that they are on the UBS conveyancing panel. Does my lawyer arrange the survey of the property?
UBS will need an independent valuation of the property. Your lawyer will not arrange this. Usually UBS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Windlesham surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I understand that there are debates on Chancel Insurance on online forums. Do I need this when purchasing a property in Windlesham? or Apparently there is an ancient law that could mean that homeowners residing in a parish church boundary may be liable to pay for repairs to the chancel within the church. Is this suitable for conveyancing in Windlesham?
Unless a previous purchase of the property completed post 12 October 2013 you could expect lawyers delivering conveyancing in Windlesham to remain recommending a chancel search and or chancel repair liability policy.
I have justbeen informed that Wolstenholmes have closed. They carried out my conveyancing in Windlesham for a purchase of a freehold house 9 months ago. How can I check that my home is registered correctly in the name of the former proprietor?
The easiest method to check if the premises is registered to you, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Windlesham conveyancing specialists.
Just had an offer accepted on a new build apartment in Windlesham. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Windlesham
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The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?