Our solicitor has discovered a a problem with the lease for the apartment we are purchasing in Poppleton and Bishopthorpe. The other side have offered defective title insurance as a workaround. We are content with insurance and will pay for it. Our lawyer says that he must check that the lender is willing to move forward with this solution. Who is the client here, us or the mortgage company ?
Notwithstanding that you have a mortgage offer from the lender does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook requirements. You and the bank are the client. These conveyancing instructions must be adhered to.
Do conveyancers ask for money up-front when it comes to conveyancing in Poppleton and Bishopthorpe?
Where you are retaining lawyers for conveyancing in Poppleton and Bishopthorpe your solicitor will ask you to provide them with funds to cover the the cost of the conveyancing searches. This will be the total of the cost of the Local Authority Search. When the down payment is payable against the total price then this should be required shortly ahead of contracts are exchanged. Any further balance that is needed should be sent to your lawyer shortly before completion.
I can see plenty of information on this site regarding conveyancing in Poppleton and Bishopthorpe but what is your top tip for choosing the right conveyancer in Poppleton and Bishopthorpe
It would be unwise to be seduced by the cheapest Poppleton and Bishopthorpe conveyancing costs illustration. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in ahead of the deal.
Intending to buy a flat in Poppleton and Bishopthorpe. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Barclays conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Poppleton and Bishopthorpe conveyancer is on the Barclays conveyancing panel.
My offer was accepted on a house in Poppleton and Bishopthorpe on 26/6/2025, valuation was booked 2 days later, received a clean bill of health. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Barclays and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Barclays conveyancing panel. Are Barclays entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.
What will a local search reveal concerning the property my wife and I purchasing in Poppleton and Bishopthorpe?
Poppleton and Bishopthorpe conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search organisations for example Onsearch The local search is essential in every Poppleton and Bishopthorpe conveyancing purchase; that is if you don’t want any nasty surprises after you move into your new home. The search should supply information on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic sections.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on two weeks back in what should have been a simple, chain free conveyancing. Poppleton and Bishopthorpe is the location of the property. Can you offer any guidance?
Flying freeholds in Poppleton and Bishopthorpe are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Poppleton and Bishopthorpe you would need to get your solicitor to go through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Poppleton and Bishopthorpe may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.