It has taken forever and a day but a loan offer from NatWest for the refinancing of my 3 room garden flat is due within the next few days. Could you put forward a low cost conveyancing practitioner in Whyteleafe?
This site is not designed to help those in their quest for a cheap conveyancing in Whyteleafe. Our aim is to provide value for money conveyancing but we do not advertise as being the cheapest. Resist the temptation to appoint organisations seducing you with £100 conveyancing in Whyteleafe. In your best case scenario, in choosing a lawyer for cheap conveyancing, you will get your money’s worth and at worst it will result in you invoiced for extras and still not get the service expected.
Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Whyteleafe. My lender is Virgin
Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 15/5/2025, the requirements read as follows :
We previously appointed conveyancing lawyers located in Whyteleafe on the Santander solicitor panel. They are now charging me an additional fee for dealing with the Santander mortgage. Is this an additional conveyancing fee specified by Santander?
Provided it is contained in their Terms and Conditions or Quote then yes your conveyancing practitioner is entitled to levy a fee for this. This charge is not set by Santander but by your Whyteleafe lawyer. Numerous firms on the Santander panel will quote ’dealing with mortgage’ fee and others do not.
I currently have a mortgage with Kent Reliance for my property in Whyteleafe. Conveyancing has been completed months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Kent Reliance?
You must advise Kent Reliance before letting out your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. It may be that Kent Reliance will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel firm.
I can not fathom if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Whyteleafe building society branch on various occasions and was informed it wasn't a problem and they will lend. My Whyteleafe conveyancing solicitor - who is on the bank conveyancing panel- called to say that they refuse to lend based on their published requirements. I simply don't know who is right.
Provided that the conveyancing practitioner is on the mortgage company panel, she or he must adhere to the Council of Mortgage Lenders’ Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
Just acquired a detached house in Whyteleafe , how long should it take for the Land Registry to register my proprietorship? My Whyteleafe conveyancing solicitor has been painfully slow, so I want to check the post completion formalities are dealt with.
As far as conveyancing in Whyteleafe registration is no faster or slower than the rest of the country. As opposed to being determined by geographic area, timescales can adjust subject to the party submitting the application, whether it is in order and if the Land registry must send notices to any other persons or bodies. As of today roughly 80% of such applications are completed in less than three weeks but some can be subject to extensive delays. Registration occurs once the purchaser is living at the premises thus 'speed' is not usually an essential issue yet if there is a degree of urgency associated with the registration then you or your lawyers could communicate with the Registry to express the reasoning for an expedited registration.
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a simple, chain free conveyancing. Whyteleafe is the location of the property. What do you suggest?
Flying freeholds in Whyteleafe are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Whyteleafe you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Whyteleafe 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 premises.
My friend mentioned that before choosing a conveyancing firm they need approved by your bank. I am new to the process but I have an AIP via Birmingham Midhshires and I already have a high street conveyancing solicitor in Whyteleafe in place. Can Virgin Money require an approved solicitor to be instructed? If so, where can I find that list so I can pick a conveyancing solicitor in Whyteleafe?
You need to instruct a solicitor that is on the Virgin Money panel. The simplest thing to do is ring your preferred Whyteleafe conveyancing solicitor and ask if they are on the Virgin Money panel. If they are not on the panel you have a number of alternatives open to you here:
- Carry on with your preferred Whyteleafe conveyancer but Virgin Money will need to appoint a solicitor from their conveyancing panel. The net impact is additional fees together with potential interruption.
- Appoint a new lawyer to conduct the conveyancing, making sure they are on the Virgin Money conveyancing panel.
- Appeal to your conveyancing practitioner to apply to join the bank panel.