Souldinstructing a Hartlepool conveyancing lawyer make the legal process smoother?

Hartlepool is a special area, where local experience counts for a lot. The relaxed pace of life is great – but not for your house move. The conveyancers that we list combine vast Hartlepool insight with a professional, hands-onattitude that helps everything runs smoothly. It will certainly help where they can make use of established rapport with mortgage brokers, search providers, surveyors and other Hartlepool conveyancing practices

Our solicitor has identified a a problem with the lease for the apartment we are purchasing in Hartlepool. The other side have put forward defective title insurance as a workaround. We are happy with insurance and will cover the costs. Our conveyancer says that he must ensure that the mortgage company 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 risk of a conflict of interest, you and the lender are the client. Your property lawyer 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 conveyancer will have no choice but to discontinue acting for you.

I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Hartlepool. My lender is Accord Mortgages

Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 22/7/2025, the requirements read as follows :

I'm purchasing my first flat in Hartlepool with the aid of help to buy. The builders refused to budge the amount so I negotiated 6k of extras instead. The property agent told me not disclose to my lawyer about the extras as it will affect my loan with Bank of Ireland. Do I keep my lawyer in the dark?.

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 conveyancer in Hartlepool has discovered a defect with the lease for the flat we are purchasing in Hartlepool. The other side have suggested title insurance as a workaround. We are happy with insurance and will pay for it. Our lawyer says that as he is on the lender conveyancing panel he must ensure 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. A precondition to being on the lender 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.