What does my ID and proof of funds have anything to do with my conveyancing in Norbury? Is this really warranted?
Anti-terror and anti-money-laundering regulations require solicitors and licensed conveyancers to check the ID of the potential client they are dealing with prior to agreeing to accepting their conveyancing instruction. The Client Care letter that you are required to sign should reaffirm this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. Where you refuse to hand over identification documents, your conveyancer will not be able to take you on as a client.
Our lender has recommended solicitors on their panel based in Norbury but I would rather choose a conveyancing lawyer in Norbury or nearer to where I live. Are you able to assist?
Far from all Norbury conveyancing firms are listed all lender’s conveyancing panel. Do make the most of our search tool to choose a Norbury conveyancing firm on the on the mortgage company panel.
We have agreed to purchase a house in Norbury. A rare aspect is that the roof has a solar panel. Santander have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Santander your lawyer must follow the formal requirements outlined in Section two of UK Finance Lenders’ Handbook for Santander. The CML Handbook contains minimum specifications for solar panel roof-space leases, and conveyancing practitioners are required to report to Santander where a lease fails to meet these requirements. The provisions relate to the installation of panels on properties countrywide and is not isolated to Norbury.
I had an offer accepted on an apartment in Norbury on 10/2/2026, valuation was booked five days later, all came back fine. Conveyancer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Nationwide and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Nationwide conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Nationwide to deal with your lawyer's application to be on the Nationwide conveyancing panel. There's no guarantee that your solicitor will be accepted.
Coventry BS have agreed my home loan in principle, my bid on a property in Norbury has been agreed to, what are the next steps?
The property agent will want to know who your solicitors are (be sure the conveyancing practitioners are on the bank’s panel). Call up Coventry BS or the financial adviser and finalise any relevant documentation. Coventry BS will appoint a valuer who will get in contact with the selling agent or owners to schedule an appointment. Once carried out (assuming no problems) it takes about a fortnight to receive the mortgage offer. Coventry BS will issue the offer to you and your property lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Norbury.
Are there restrictive covenants that are commonly picked up during conveyancing in Norbury?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Norbury. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I'm purchasing a new build house in Norbury benefiting from help to buy. The developers would not budge the amount so I negotiated £7000 of extras instead. The property agent told me not reveal to my conveyancer about the side-deal as it will affect my loan with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the advice of my in-laws I had a survey completed on a property in Norbury prior to appointing conveyancers. I have been told that there is a flying freehold overhang to the property. My surveyor advised that some mortgage companies may refuse to grant a loan on such a premises.
It varies from the lender to lender. HSBC has different requirements for example to Halifax. If you contact us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Norbury. Conveyancing will be smoother if you use a solicitor in Norbury especially if they are acquainted with such properties in Norbury.