My wife and I are approaching an exchange on a flat in Wirral and my mum and dad have transferred the ten percent deposit to my conveyancing practitioner. I am now advised that as the deposit has not arrived from me my conveyancer needs to disclose this to my mortgage company. I am advised that, in also acting for the bank he must inform them that the balance of the purchase price is coming from anyone other than me. I informed the bank about my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to be an issue?
The solicitor is legally required to check with lender to make sure that they know that the balance of the purchase price is not from your own resources. The solicitor can only notify this to your bank if you permit them to, failing which, your lawyer must cease to continue acting.
We are planning to acquire a house and need a conveyancing solicitor in Wirral who is on the Lloyds approved panel. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Lloyds . We don't recommend any particular firms conducting conveyancing in Wirral.
Have just purchased a probate house at auction in Wirral. Conveyancing is required. What are my next steps?
Given that you are now exchanged you will need to instruct a conveyancing practitioner soon as you will have a tight a fixed date to complete the property. An auction property should have an associated legal set of papers. This will likely include the copy title deeds, local authority and drainage searches. If you have purchased leasehold premises the legal papers may contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation pertinent to a leasehold property. You must give this to your appointed conveyancing solicitor ASAP. You also need to ensure that you have funds in place to complete on the on the contractual date .
This question may be naive but I am unseasoned as FTB of a ground floor flat in Wirral. Do I pick up the keys to the house on completion from my conveyancer? If this is the case, I will find a High Street conveyancing solicitor in Wirral?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will electronically transfer the purchase money to the vendor’s conveyancers, and once they have received this, you should be called to receive the keys from the Estate Agents and move into your new home. This tends to happen early afternoon.
We have agreed to purchase a house in Wirral. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Lloyds be concerned?
Given that your lender is Lloyds your lawyer must comply with the formal requirements set out in Part two of UK Finance Lenders’ Handbook for Lloyds. The CML Handbook includes minimum conditions for solar panel roof-space leases, and conveyancers are required to report to Lloyds where a lease fails to satisfy these conditions. The conditions relate to the installation of panels on properties nationwide and is not limited to Wirral.
four months have gone by following my purchase conveyancing in Wirral concluded. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £215,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I have been on the look out for a leasehold apartment up to £305k and identified one round the corner in Wirral I like with open areas and railway links nearby, the downside is that it only has 49 years unexpired on the lease. I can't really find anything else in Wirral in this price bracket, so just wondered if I would be making a mistake buying a lease with such few years left?
Should you need a mortgage the remaining unexpired lease term may be an issue. Discount the offer by the expected lease extension will cost if not already taken into account. If the current owner has owned the premises for a minimum of 2 years you may request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should consult your conveyancing solicitor concerning this.
We yesterday discovered that one of the partners of the conveyancing practice handling the purchase conveyancing in Wirral is related to the vendor. Is this permitted?
As long as no conflict arises this is permitted. If you are needing a mortgage then the mortgage company may have a say as many mortgage companies have specific requirements on this. For example for Royal Bank of Scotland -Natwest One as of 26/11/2025, the requirements read as follows :