I am obtaining a mortgage with Lloyds. My intention is to employ the services of a Licensed Conveyancer in Chew Magna. Does the Lloyds Solicitor panel include conveyancers regulated by the CLC?
The Lloyds approved solicitor list is, like many other lenders, associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
My conveyancer has discovered a defect with the lease for the apartment we are purchasing in Chew Magna. The other side have suggested title insurance as a workaround. We are content with insurance and will pay for it. Our solicitor has advised that he must ensure that the bank is happy with this solution. Who is the client here, us or the lender?
Even though you have a mortgage offer from the mortgage company 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 provisions. You and the bank are the client. The appropriate lender specifications must be adhered to.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Chew Magna. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 14/7/2025, the requirements read as follows :
My wife and I have a terraced Victorian property in Chew Magna. Conveyancing practitioner represented me and National Westminster Bank. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, the second leasehold with the matching property. I thought I was buying a freehold how can I check?
You need to read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Chew Magna and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing solicitor who conducted the work.
How does conveyancing in Chew Magna differ for newly converted properties?
Most buyers of new build or newly converted property in Chew Magna come to us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is built. This is because house builders in Chew Magna 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 property lawyers 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 accustomed to new build conveyancing in Chew Magna or who has acted in the same development.