My conveyancer has identified a a problem with the lease for the apartment we are purchasing in Newport Pagnell. The seller’s lawyers have suggested defective title insurance as a solution. We are happy with insurance and will pay for it. Our lawyer has advised that he must ensure 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 risk of a conflict of interest, you and the mortgage company are the client. Your solicitor must comply with the UK Finance Lenders’ Handbook provisions. 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.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Newport Pagnell. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 25/1/2026, the requirements read as follows :
I am buying a 4 bedroom semi-detached house in Newport Pagnell. We would like to an extension at the rear at the property.Will legal conveyancing on the property include enquiries to determine if these alterations are allowed?
Your conveyancer should review the registered title as conveyancing in Newport Pagnell will occasionally reveal restrictions in the title documents which prevent categories of works or need the consent of another owner. Certain extensions call for local authority planning permissions and approval under the building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.
My partner and I have organised a further advance on our home loan from Nationwide as we intend to carry out alterations to our home in Newport Pagnell. Are we obliged to choose a bricks and mortar Newport Pagnell solicitor on the Nationwide conveyancing panel to handle the legals?
Nationwide don't usually appoint a member of their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Nationwide list.
I am due to exchange contracts on my house. I had a double glazing fitted in July 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Lloyds are being problematic. The Newport Pagnell solicitor who is on the Lloyds conveyancing panel is recommending indemnity insurance as a solution but Lloyds are requiring a building regulation certificate. Why do Lloyds have a conveyancing panel if they don't accept advice from them?
It is probably the case that Lloyds have referred the matter to their valuer. The reason why Lloyds 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.
A friend recommended that if I am purchasing in Newport Pagnell I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
This is a search is occasionally quoted for as part of the standard Newport Pagnell conveyancing searches. It is not a small report of more than thirty pages, listing and detailing important information about Newport Pagnell around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful data concerning Newport Pagnell.
I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what was supposed to be a simple, chain free conveyancing. Newport Pagnell is the location of the property. What do you suggest?
Flying freeholds in Newport Pagnell are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Newport Pagnell you must be sure that your lawyer goes 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 Newport Pagnell may decide 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.
We are 18 days into a residential purchase having been recommend to conveyancers by the selling agent to handle our conveyancing in Newport Pagnell. I am am starting to be disappointed with the level of service. Could you help me find new conveyancers?
They would need to be really bad to suggest replacing them. Has your mortgage offer been generated? If so you must advise them of the replacement lawyer and get the mortgage documents are issued to the new lawyers. Your conveyancer should be on the lenders approved list to avoid escalating fees and complications. So that should be your first question of the new solicitors. Our find a solicitor tool can assist you in finding a lender approved conveyancer for your home move in Newport Pagnell