My conveyancer has discovered a a problem with the lease for the property we are buying in Burntwood. The seller’s lawyers have suggested defective title insurance as a workaround. We are content with insurance and will cover the costs. Our property lawyer says that he must be satisfied that the bank is content with this solution. Are we the client or is the bank?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and the mortgage company are the client. Your lawyer must comply with the UK Finance Lenders’ Handbook requirements. 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 conveyancing practitioner will have no choice but to discontinue acting for you.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Burntwood. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 27/4/2025, the requirements read as follows :
What will a local search reveal concerning the property we're buying in Burntwood?
Burntwood conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search organisations for instance Searches UK The local search plays an important role in most Burntwood conveyancing purchase; as long as you don’t want any unpleasant surprises after you move into your new home. The search should supply data on, amongst other things, details on planning applications applicable to the property (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 thirteen subject headings.
How does conveyancing in Burntwood differ for newly converted properties?
Most buyers of new build property in Burntwood approach us having been asked by the builder to exchange contracts and commit to the purchase even before the house is completed. This is because new home sellers in Burntwood tend to purchase the real estate, 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 conveyancing solicitors 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 used to new build conveyancing in Burntwood or who has acted in the same development.
We are 18 days into a freehold purchase having been recommend to a firm by the estate agent to perform conveyancing in Burntwood. I am am starting to be dissatisfied with the quality of service. Can you help me find new conveyancers?
A solicitor would have to be very bad in order to consider replacing them. Has your loan offer been sent? If so you will need to inform them of the replacement solicitor and have the loan are re-sent. The solicitor ideally needs to be on the banks panel to avoid escalating fees and frustration. So that should be your starting point. Our search tool can assist you in finding a lender approved conveyancer for your conveyancing in Burntwood
I have noted on various online forums that before choosing a conveyancing solicitors they need approved by your mortgage company. It happens to be my first home move but I have an offer in principle with Halifax and I already have a bricks and morter conveyancing solicitor in Burntwood on standby. Will Halifax require an approved lawyer to be used? If so, where do I find that list for my conveyancing in Burntwood?
You need to choose a solicitor that is on the Halifax panel. Simply telephone your preferred Burntwood conveyancing lawyer and ask if they are on the Halifax panel. If they are not approved you have a number of options open to you here:
- Complete the deal with your chosen Burntwood lawyer but Halifax will no doubt use a solicitor from their approved panel. The net impact is additional cost together with likely interruption.
- Choose a fresh property lawyer to conduct the conveyancing, ensuring that they are on the Halifax conveyancing panel.
- Convince your lawyer to seek to join the bank panel.