Will my conveyancing lawyers need to check that the building insurance when buying a house in Mersea Island. My lender is Tesco Bank

Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 2/2/2026, the requirements read as follows :

I am helping my niece sell her property in Mersea Island. Does the conveyancing solicitor order the energy assessment or it is for the seller to coordinate?

After the abolition of HIPs, EPC’s remained a compulsory component of selling a property. An EPC needs to be commissioned in advance of the property being marketed. It is not as aspect of the sale process that lawyers normally organise. If you are instructing a Mersea Island conveyancing practitioner they may help arrange EPC’s due to their relationships with reputable Mersea Island providers

When it comes to lenders such as Nottingham, do Mersea Island solicitors incur a fee to be on the list of approved solicitors?

We are unaware of any lender fees to be on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel application.

Is it the case that all Mersea Island conveyancing solicitors on the UBS conveyancing panel are regulated by the Solicitors Regulatory Authority?

As a firm of solicitors, in order to be on the UBS approved list of solicitors they would need to be governed by the SRA. The majority of lenders do allow licenced conveyancers on their panel and in that case the practice would be overseen by the Council of Licensed Conveyancers.

Despite weeks of looking the Title Certificate and documents to our property can not be found. The conveyancers who dealt with the conveyancing in Mersea Island 4 years ago have long since closed. What are my options?

As long as you have a registered title the details of your proprietorship will be recorded by the Land Registry under a Title Number. It is possible to conduct a search at the Land Registry, locate your property and get up to date copies of the Registered Entries for a small fee. If the property is Leasehold then the Land Registry will in most cases retain a file duplicate of the Registered Lease and again, a copy can be obtained for a small fee.

I am looking for a ground for flat up to £235,500 and found one near me in Mersea Island I like with open areas and transport links nearby, however it's only got 52 remaining years left on the lease. There is not much else in Mersea Island suitable, so just wondered if I would be making a grave error acquiring a lease with such few years left?

Should you require a mortgage the remaining unexpired lease term may be problematic. Reduce the offer by the anticipated lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of 2 years you could request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the current lease term with a zero ground rent applied. You should consult your conveyancing solicitor regarding this matter.

My mother completed her conveyancing in Mersea Island 7 years past. She has since got married, widowed and has recently remarried. She now wants to the sell the Mersea Island property. I believe she will simply be asked to supply copies of her marriage papers to the lawyer but she is concerned it could frustrate the sale of the property. Is it worth updating the title information for the house?

You are not required to update the title for the property providing you have the evidence required to show how the name change has come about.

Any purchaser’s conveyancer will examine the land registry details and ask for evidence to prove the name change e.g. marriage certificates.