Find a Lender-Approved Local Conveyancer in Merton

Ready to buy a new home? Find a law firm approved by your lender.

There is a good reason why you won’t find people saying “if only I would have chosen a cheap nationwide firm”! Go local - instruct a conveyancing solicitor in Merton

Reasons to use our Merton conveyancing solicitors

  • 1 Experience means that Merton conveyancer have developed very good connections with Merton local estate agents, banks, building societies, landlords and property developers enabling them to liaise at speed with all concerned in the process of handling your home move in Merton.
  • 2 Merton lawyers have a significant advantage when it comes to Merton conveyancing as they have important local knowledge of local authority requirements, planning policies and other matters that can affect your home move
  • 3 Excellent communication together with pure property expertise are key benefits that you should value when selecting conveyancing solicitors. Merton property deals can be made a lot more protracted because of lack of transparency between all the parties. The lawyers listed ensure that the lines of communication are open and act on arising issues and developments expeditiously.
  • 4 Our site is the first site that enables you the facility to check that your property ownership legalities in Merton will be conducted by a law firm on your lender’s approved panel.
  • 5 We are the UKs largest residential conveyancing directory service identifying lender approved property lawyers conducting conveyancing in Merton governed by the SRA or CLC.

Examples of recent conveyancing in Merton since October 2021*

Transfer

of house premises, Waterloo Gardens, EX38 7ED completing on 19/10/2021 at a price of £290,000. The conveyancing process included amongst the various tasks: sending conveyancing papers to buyers representatives, obtaining official copies of the title, agreeing completion date with parties

Recently asked questions about conveyancing in Merton

I had intended to instruct a conveyancing solicitor in Merton for our house move. Our financial adviser has since advised us that our bank Chelsea Building Society won't deal with them. Why is this not regarded as unfair competition?

Lenders in the main imposes restrictions either the type or the volume of conveyancing practices on their panel. Typical examples of such restriction(s) being that a law practice must have two or more partners. In addition to restricting the profile of firm, a few banks have limited the amount of firms they permit to act for them. You should note that Chelsea Building Society have no responsibility for the quality of advice provided by any member of Chelsea Building Society Conveyancer Panel. Mortgage fraud was a key driver in the reduction of solicitor panels a few years ago even though there remains mixed opinions regarding the level of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that thousands of law firms, including some in or near Merton only execute one or two conveyances a year.

How can we tell if a Merton conveyancing solicitor on the Santander panel is any good?

When it comes to conveyancing in Merton obtaining recommendations is a good start. 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 advocate that you speak with the lawyer handling your transaction.

I am selling my flat. I had a double glazing fitted in December 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Skipton are being pedantic. The Merton solicitor who is on the Skipton conveyancing panel is saying indemnity insurance will be fine but Skipton are requiring a building regulation certificate. Why do Skipton have a conveyancing panel if they don't accept advice from them?

It is probably the case that Skipton have referred the matter to their valuer. The reason why Skipton may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

After what seems like an age I have had an offer on a flat in Merton accepted, but there is a chain. The sellers have offered on somewhere, however it’s not been accepted yet, and are looking at other properties in the pipeline. I have chosen a local conveyancing solicitor in Merton. What should be my next step? At what stage 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 prematurely (mortgage application is approx £1k, then survey, Merton conveyancing search charges, etc). First, you should check that your lawyer is on the Bank of Ireland approved list. Concerning the next steps this very much dictated by the circumstances of your case, attraction to this property and on the state of the market. During a hot market some home buyers will apply for the mortgage with Bank of Ireland and pay for the valuation and only if it was satisfactory would they request their conveyancer to press on with searches.

What will a local search inform me regarding the house my wife and I purchasing in Merton?

Merton conveyancing often starts with the submitting local authority searches directly from your local Authority or via a personal search company such as Searchflow The local search is essential in every Merton conveyancing purchase; that is if you don’t want any unpleasant surprises after you move into your new home. The search should reveal data on, amongst other things, details on planning applications applicable 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 subject headings.

How does conveyancing in Merton differ for new build properties?

Most buyers of new build premises in Merton approach us having been asked by the seller to sign contracts and commit to the purchase even before the house is built. This is because developers in Merton usually acquire the land, 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 conveyancers 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 accustomed to new build conveyancing in Merton or who has acted in the same development.

Can you provide any top tips for leasehold conveyancing in Merton from the perspective of saving time on the sale process?

  • Much of the delay in leasehold conveyancing in Merton can be reduced if you get in touch lawyers as soon as your agents start marketing the property and ask them to collate the leasehold information needed by the buyers’ representatives.
  • If you have carried out any alterations to the property would they have required Landlord’s consent? Have you, for example laid down wooden flooring? Most leases in Merton state that internal structural changes or addition of wooden flooring calls for a licence issued by the Landlord approving such works. If you dont have the approvals to hand you should not communicate with the landlord without checking with your conveyancer in advance. Many freeholders or Management Companies in Merton charge for supplying management packs for a leasehold home. You or your lawyers should discover the fee that they propose to charge. The management information sought on or before finding a buyer, thus accelerating the process. The average time it takes to obtain the necessary information is three weeks. It is the most frequent reason for frustration in leasehold conveyancing in Merton. Some Merton leases require Licence to Assign from the landlord. If this is the case, you should notify your estate agents to make sure that the purchasers obtain bank and professional references. Any bank reference should make it clear that the buyer is able to meet the annual service charge and the actual amount of the service charge should be quoted in the bank’s letter. You will therefore need to provide your estate agents with the actual amount of the service charge so that they can pass this information on to the buyers or their lawyers.

Merton Leasehold Conveyancing - Sample of Questions you should consider Prior to buying

    Does the lease have more than 80 years remaining? Please inform me if there are any major works anticipated that will add a premium to the maintenance fees? It would be sensible to investigate if there are any onerous prohibitions in the lease. For instance it is reasonably common in Merton leases that pets are not permitted in certain buildings in Merton. If you love the flatin Merton however your cat can’t make the move with you then you will be faced hard decision.

Having used your search tool I can't find the lawyer I was hoping to instruct as being on the mortgage company conveyancing panel. My lawyer has said that they are on the lender approved panel. How can I be sure given that they are not listed on your directory?

Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the lender conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the mortgage company solicitor panel.

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What to expect from a Licensed Conveyancer for conveyancing in Merton?

Licensed Conveyancers specialise in the legalities surrounding acquiring and selling property and cover conveyancing countrywide not just Merton. When using a Licensed Conveyancer governed by the CLC, you can expect:
  • Receive an honest and lawful service.
  • Enjoy the benefit of a high standard of legal services.
  • Enjoy the benefit of your transaction dealt with using care, skill and legal competence.
  • Receive a high standard of service due to your conveyancer’s arrangements, resources, procedures, skills and commitment.
  • Enjoy the benefit of a service which is accessible and responsive to your individual needs.
  • Not feel discriminated against, victimised or harassed.
  • To receive the level you could expect, however, if you do your lawyer accepts responsibility for this and provides you with any appropriate redress.
  • Ensure your individual needs taken into account should you make a complaint.
  • Be provided with a speedy, objective and comprehensive service if making a complaint about your conveyancing in Merton about your conveyancing in Merton.

Residential conveyancing in Merton normally comprises the following:

  • Obtaining instructions from parties involved
  • Investigating the title unregistered or registered
  • Undertaking Merton searches with respect to the title
  • Considering the draft contract pack and other papers forwarded by the owner’s conveyancing practitioner
  • Submitting queries with the owner’s conveyancing practitioner
  • Negotiating the sale contract
  • Reviewing replies prepared by the owner to pre-contract enquiries
  • Negotiating the Transfer Deed for completion
  • Guiding the purchasing in respect of the loan offer: (if appropriate)
  • Preparing and sending the purchaser a report on title (that is; a breakdown of all findings on the property)
  • Carrying out the key stage of exchanging contracts and then completion of the purchase
  • Preparing and submitting to HM Revenue and Customs the appropriate Land Tax forms and payment
  • Registering the buyer and the mortgage (where relevant) at the HM Land Registry.

Merton commercial property solicitors provide expert offering advice on numerous issues across all aspects of commercial property law

    Drafting and approving option agreements General advice on title or other property issues Property due diligence in connection with corporate acquisitions and disposals Property realisations and advice for insolvency practitioners Advice on commercial mortgages Property finance transactions, including sale and leaseback

*Source acknowledgement: House price data produced by Land Registry as well data supplied by Lexsure Ltd.

© Crown copyright material is reproduced with the permission of Land Registry under delegated authority from the Controller of HMSO.