My wife and I are getting closer to an exchange on a house in Chellaston and my mum and dad have transferred the ten percent deposit to my lawyer. I am now told that as the deposit has been received from someone other than me my conveyancing practitioner needs to disclose this to my mortgage company. I am advised that, in also acting for the bank he must advise them that the balance of the purchase price is not just from me. I disclosed to the lender concerning my parents' contribution when I applied for the mortgage, so is it really necessary for him to raise this?
Your property lawyer is obliged to check with the bank to ensure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to your mortgage company if you agree, failing which, your lawyer must cease to continue acting.
I am helping my mother sell her house in Chellaston. Does the conveyancer commission an EPC or do I organise this?
Following the abolition of HIPs, energy assessments remained a required part of moving property. An EPC needs to be to hand in advance of the property being marketed. This is not a task that solicitors normally arrange. If you are instructing a Chellaston conveyancing practitioner they may be willing to arrange EPC’s due to their contacts with reputable Chellaston energy assessors
I had an offer accepted on a house in Chellaston on 20/4/2026, valuation was booked 3 days later, received a clean bill of health. Property lawyer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to RBS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the RBS conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for RBS to deal with your lawyer's application to be on the RBS conveyancing panel. There's no guarantee that your solicitor will be accepted.
At last I have had an offer on a flat in Chellaston accepted, but there is a chain. The owners have offered on a flat, however it’s not yet tied up, and are looking at other flats booked. I have selected a high street conveyancing solicitor in Chellaston. What should be my next step? At what point do I apply for the mortgage with Bank of Ireland?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is approx £1k, then survey, Chellaston conveyancing search charges, etc). The first course of action is to check that your solicitor is on the Bank of Ireland approved list. Concerning the subsequent stages this very much dictated by the specifics of your transaction, motivation for the property and on the state of the market. In a rising market many home buyers would apply for a home loan with Bank of Ireland and arrange for the valuation and only if it was satisfactory would they ask their solicitor to proceed with searches.
Will my conveyancer be raising enquiries concerning flooding as part of the conveyancing in Chellaston.
Flooding is a growing risk for solicitors dealing with homes in Chellaston. There are those who buy a property in Chellaston, completely expectant that at some time, it may suffer from flooding. However, leaving to one side the physical damage, where a house is at risk of flooding, it may be difficult to obtain a mortgage, suitable building insurance, or dispose of the property. Steps can be carried out as part of the conveyancing process to forewarn the buyer.
Lawyers are not qualified to give advice on flood risk, but there are a various checks that can be undertaken by the buyer or by their conveyancers which can figure out the risks in Chellaston. The conventional set of completed inquiry forms supplied to a buyer’s solicitor (where the Conveyancing Protocol is adopted) incorporates a usual question of the vendor to determine if the property has suffered from flooding. In the event that flooding has previously occurred and is not notified by the owner, then a buyer may commence a compensation claim stemming from an misleading reply. A purchaser’s lawyers should also carry out an environmental report. This should reveal if there is a recorded flood risk. If so, further inquiries should be carried out.
I have justbeen informed that Action Conveyancing have closed. They conducted my conveyancing in Chellaston for a purchase of a leasehold flat 10 months ago. How can I check that the property is not still registered in the name of the former proprietor?
The quickest method to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Chellaston conveyancing specialists.
Just had an offer accepted on a new build apartment in Chellaston. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here is a sample of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Chellaston
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Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. The Vendor must covenant to keep unoccupied units in good repair until long leases are granted therefore. Please confirm the Lease plans are surveyor prepared.
Is it simple use your search app to find a conveyancing lawyer in Chellaston on the panel for my mortgage?
Step one is to choose a mortgage company such as Yorkshire Building Society, Virgin Money or Godiva Mortgages Ltd then choose your location such as Chellaston. Conveyancing firms in Chellaston and further afield will then be shown.