I am nearing exchange of contracts for my ground floor flat in Shooter's Hill and the EA has just called to advise that the buyers are switching law firm. I am told that this is due to the fact that the lender will only work with solicitors on their conveyancing panel. On what basis would a big named lender only deal with specific lawyers rather the firm that they want to choose for their conveyancing in Shooter's Hill ?
Banks have always had panels of law firms that can act for them, but in the past few years big names such as HSBC, have considered and reduced their conveyancing panel– in some cases removing conveyancing firms who have represented them for over 25 years.
Lending institutions blame a rise in fraud by way of justification for the pruning – criteria have been tightened as a smaller panel is easier to oversee. Banks tend not to reveal how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels. Plenty of firms are unaware that they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyers' case. The purchasers are unlikely to have any sway in the decision.
My wife and I are purchasing a brand new duplex in Shooter's Hill and my solicitor is informing me that she is duty bound to the bank to disclose incentives from the seller. I am nearing the developer’s deadline to sign contracts and I don't want to delay the conveyancing. is my lawyer playing by the book?
You should not exchange unless you have been advised to do so by your conveyancer. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook requirements. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Shooter's Hill. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 21/3/2026, the requirements read as follows :
Can you point me to a directory of HSBC panel solicitors in Shooter's Hill on the Council of Mortgage Lender’s Website?
No. There is no such facility on the Council of Mortgage Lenders or Building Society Association websites. Very few lending institutions make their panel listings open the public online. If you are in need of a Shooter's Hill solicitor on the HSBC please make the most of our facility.
I recently had an offer agreed on a house in Shooter's Hill. My financial adviser recommended their conveyancers. I paid an advanced payment of £150. Shortly after, the lawyer contacted me sheepishly admitting that they were not on the Lloyds conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Lloyds panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I've digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Shooter's Hill solicitor - who is on the Santander conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Santander will need an independent valuation of the property. Your lawyer will not arrange this. Usually Santander will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your property lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Shooter's Hill postcode. As you are getting a mortgage with Santander, you could contact them to see if they have a list of approved surveyors in Shooter's Hill.
Are there restrictive covenants that are commonly identified as part of conveyancing in Shooter's Hill?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Shooter's Hill. 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 am looking for a ground for flat up to £235,500 and found one near me in Shooter's Hill I like with open areas and railway links nearby, the downside is that it's only got 52 years on the lease. I can't really find anything else in Shooter's Hill in this price bracket, so just wondered if I would be making a mistake buying a short lease?
Should you need a home loan the shortness of the lease will be an issue. Reduce the price by the amount the lease extension will cost if not already taken into account. If the existing owner has owned the property for a minimum of twenty four months you could ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should speak to your conveyancing solicitor about this matter.