My solicitor has uncovered a defect with the lease for the flat we are purchasing in Hartford. The seller’s lawyers have put forward title insurance as a solution. We are content with insurance and will pay for it. Our lawyer has advised that he must ensure that the bank is content with this solution. Who is the client here, us or the lender?
Even though you have a mortgage offer from the mortgage company does not mean to say that the property will meet their provisions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook conditions. You and the bank are the client. These conveyancing instructions have to be complied with.
I purchased a freehold property in Hartford yet invoiced for rent, why is this and what is this?
It’s unusual for properties in Hartford and has limited impact for conveyancing in Hartford but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the generation of fresh rentcharges from 1977 onwards.
Previous rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 will be dispensed with completely.
Can I be sure that the Hartford conveyancing solicitor on the UBS panel is any good?
When it comes to conveyancing in Hartford obtaining recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor conducting your conveyancing.
Planning on purchasing a house in Hartford. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Aldermore 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 Hartford property lawyer is on the Aldermore conveyancing panel.
I had an offer accepted on a property in Hartford on 22/4/2026, valuation was booked five days after, received a clean bill of health. Solicitor instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Santander and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Santander conveyancing panel. Are Santander entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.
I have justdiscovered that Stirling Law have closed. They carried out my conveyancing in Hartford for a purchase of a freehold house 10 months ago. How can I establish that my home is registered correctly in the name of the former proprietor?
The easiest method to check if the property is registered to you, 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 Hartford conveyancing specialists.
Due to the guidance of my in-laws I had a survey completed on a house in Hartford in advance of retaining lawyers. I have been advised that there is a flying freehold overhang to the property. The surveyor advised that some mortgage companies may not grant a mortgage on a flying freehold house.
It depends who your proposed lender is. Lloyds has different instructions from Nationwide. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Hartford. Conveyancing will be smoother if you use a solicitor in Hartford especially if they are accustomed to such properties in Hartford.
Are there any apps to help identify a Hartford solicitor on the Clydesdale conveyancing panel? I drive a motor bike and am willing to travel upto 10kilometers to meet the solicitor.
You can use the facility on this website. Please pick a lender and your location and you will see a number of Hartford conveyancing lawyers located nearest you. We have detailed some Hartford conveyancing firms at the bottom of this page and you can telephone them to see if they are on the Clydesdale member panel