I am soon to exchange on the purchase of a house in Droitwich but as a consequence of wreckage from the recent storms I have managed to agree reparation from the owner in the sum of £3k in the form of a adjustment in the price. This was going to be addressed as part of amending the contract however Virgin Money are not allowing this. Why were they approached?
The conveyancing practitioner that is on the Virgin Money conveyancing panel is duty bound to inform Virgin Money of any variations to the sale price. If you prohibit your solicitor to report the reduction to Virgin Money then they would have to discontinue acting for you. In addition, Virgin Money and you would have to appoint a new lawyer for your conveyancing in Droitwich.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Droitwich. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 16/9/2025, the requirements read as follows :
This question may be naive but I am unexperienced as FTB of a garden flat in Droitwich. Do I pick up the keys to the property on completion from my lawyer? If so, I will appoint a High Street conveyancing solicitor in Droitwich?
There is no need to visit the lawyers office on the day of completion. Your solicitors will electronically transfer the completion advance to the owner’s conveyancers, and once they have received this, you will be invited to collect the keys from the selling Agents and start moving into the property. Usually this occurs early afternoon.
We previously instructed solicitors locally in Droitwich on the Bank of Ireland solicitor approved list. They are now charging me a further charge for dealing with the Bank of Ireland mortgage. Is this an additional conveyancing fee set by Bank of Ireland?
Provided it is contained in their Terms and Conditions or Quote then yes your conveyancer is entitled to levy a fee for this. The charge is not set by Bank of Ireland but by your Droitwich property lawyer. Plenty of firms on the Bank of Ireland panel will levy an ‘acting for lender’ fee and others do not.
I can not fathom if my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Droitwich building society branch on a couple of occasions and was told they are content with the situation and they would lend. My Droitwich conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned to say that they would not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. I have no idea who is right.
Provided that the lawyer is on the lender approved list, they must adhere to the CML Handbook provisions for the lender. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
I am buying a house and the conveyancer has referenced Chancel Repair to which the property may be obligated to pay because it falls into the area of such a church. She has recommended insurance. Is this strictly necessary for conveyancing in Droitwich
Unless a previous purchase of the property completed post 12 October 2013 you can take it that solicitors conducting conveyancing in Droitwich to remain recommending a chancel search and or chancel repair liability policy.
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