My partner and I are acquiring property in Southwell. My property lawyer is not listed on the bank conveyancing panel. Am I still permitted to retain my Southwell conveyancing solicitor even though they are excluded from the mortgage company panel?
You have a couple of choices available to you here
- Carry on with your chosen Southwell solicitor but your mortgage company will undoubtedly appoint a conveyancer on their approved list. This will result in additional charges and probable delay.
- Appoint a new conveyancer to conduct the conveyancing, ensuring that they are on the mortgage company conveyancing panel.
- Appeal to your conveyancing practitioner to apply to join the bank panel
AssumingI were to acquire a freehold homein Southwell for cash and dispense with a survey and no local authority searches how much would I expect to have to pay for conveyancing in Southwell?
The only reduction in fees you would achieve is the costs for searches. Your conveyancing practitioner still got to do everything else - money laundering, liaising with the vendors conveyancer, SDLT return, register the title etc. A marginal saving might be made by not needing to register a charge however it will not be significant.
My wife and I have recently appointed a conveyancing solicitor in Southwell. I I would like to check whether they are on the Leeds Building Society approved list of lawyers. Can you help?
You should contact the lawyer and enquire if they can act for the bank. Otherwise please get in touch with Leeds Building Society who may be able to assist.
I am helping my step-mother sell her property in Southwell. Does the conveyancing solicitor order the energy performance certificate or do I organise this?
Following the abolition of Home Packs, energy assessments was retained a mandatory component of selling a house. An energy performance certificate must be commissioned prior to the property being placed on the market. This is not as aspect of the sale process that conveyancers ordinarily arrange. Where you are using a Southwell conveyancing practitioner they might be able to arrange EPC’s due to their contacts with reputable local energy assessors
I have been advised by my solicitor that lack of planning permission insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Southwell?
The right level of lack of planning permission indemnity insurance depends on who your lender is. It would differ for example between Accord Mortgages Ltd and Norwich and Peterborough Building Society. Conveyancing solicitors as opposed to borrowers take out such insurances.
I had an offer accepted on an apartment in Southwell on 17/6/2025, valuation was booked 4 days later, all came back fine. Conveyancer instructed, so all that was missing was my mortgage offer. Having made daily calls to HSBC and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the HSBC conveyancing panel. Can the lender hold off the offer?
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 HSBC to deal with your lawyer's application to be on the HSBC conveyancing panel. There's no guarantee that your solicitor will be accepted.
We are purchasing a property and the conveyancer has raised the issue of Chancel Repair for which the house may be obligated to pay because it falls into the area of such a church. She has mentioned insurance. Is this really necessary for conveyancing in Southwell
Unless a prior acquisition of the house completed after 12 October 2013 you may assume that conveyancing practitioners delivering conveyancing in Southwell to remain encouraging a chancel search and or chancel repair liability insurance.
Do I need to be concerned by estate agents that I am dealing with are recommending a factory type conveyancing firm as opposed to a High Street Southwell conveyancing practice?
As with many service providers, often suggestions from relatives can be worth their weight in gold. Nevertheless there are lots of people with a keen interest in a conveyancing matter; estate agents, mortgage brokers and mortgage companies may suggest conveyancers to appoint. Sometimes the lawyers might be known to one of the organisations as being good in their field, but sometimes there may be a financial incentive behind the recommendation. You are free to choose your preferred lawyer. However, bear in mind that the majority of lenders specify a panel list of solicitors you have to use for the mortgage aspect of your transaction.