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Find a Chester Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Chester? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Chester transaction at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Chester conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Chester

What is the best way to discover of the solicitor conducting my conveyancing in Chester is on the mortgage lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Leeds Building Society thus paying £192.00 in supplemental legal bill.

Please do take advantage of the search tool on this site. Pick the mortgage company and type ‘Chester’ or your preferred area and you will discover numerous conveyancers offices in Chester or nearest you.

We have agreed to purchase a house in Chester. A rare aspect is that the roof has a solar panel. HSBC have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

As you are obtaining a mortgage with HSBC your lawyer must comply with the formal instructions outlined in Section 2 of UK Finance Lenders’ Handbook for HSBC. The CML Handbook sets out minimum requirements for solar panel roof-space leases, and conveyancers are required to report to HSBC where a lease fails to satisfy these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not isolated to Chester.

I have paid off my mortgage with UBS. I assume I don't need a Chester property lawyer on the UBS panel to remove the mortgage at the Land Registry. Am I right?

If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

  1. but are not moving to another property
  2. where UBS has sent the Land Registry the discharge electronically, and
  3. UBS has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your UBS mortgage has been paid off.

Co-operative have agreed my mortgage in principle, my offer on a flat in Chester has been accepted, what happens next?

The property agent will need to know who your solicitors are (ensure that the solicitors are on the bank’s panel). Telephone Co-operative or your financial adviser and finalise any relevant forms. Co-operative will appoint a valuer who will get in touch with the estate agent or vendor to arrange a slot for the valuation to happen. Once carried out (assuming no problems) it takes about ten days for the mortgage offer to be issued. Co-operative will issue the offer to you and your solicitors. The transaction will then take it’s course according the nature and complexity of the conveyancing in Chester.

Will my conveyancer be asking questions regarding flooding as part of the conveyancing in Chester.

Flooding is a growing risk for lawyers dealing with homes in Chester. Some people will acquire a house in Chester, fully aware that at some time, it may suffer from flooding. However, aside from the physical damage, if a house is at risk of flooding, it may be difficult to obtain a mortgage, suitable insurance cover, or sell the property. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.

Lawyers are not qualified to give advice on flood risk, however there are a various checks that may be initiated by the purchaser or on a buyer’s behalf which should figure out the risks in Chester. The standard completed inquiry forms supplied to a purchaser’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a usual inquiry of the owner to determine if the property has historically flooded. In the event that the residence has been flooded in past which is not notified by the owner, then a purchaser may issue a compensation claim stemming from an inaccurate response. A buyer’s conveyancers may also conduct an environmental report. This will reveal if there is a recorded flood risk. If so, additional inquiries will need to be made.

I used Stirling Law a few years ago for my conveyancing in Chester. I now require my papers but the law firm has closed. What do I do?

You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Chester of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

Estate agents have just been given the go-ahead to market my basement apartment in Chester. Conveyancing lawyers have not yet been instructed, however I have recently received a half-yearly maintenance charge invoice – what should I do?

It best that you pay the maintenance contribution as usual because all rents and service invoices will be apportioned on completion, so you will be reimbursed by the purchaser for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

I purchased a garden flat in Chester, conveyancing was carried out October 2003. Can you let me have an estimate of the premium that my landlord can legally expect in return for granting a renewal of my lease? Comparable properties in Chester with a long lease are worth £165,000. The average or mid-range amount of ground rent is £50 charged once a year. The lease comes to an end on 21st October 2099

With 77 years unexpired the likely cost is going to be between £7,600 and £8,800 as well as plus your own and the landlord's "reasonable" professional fees.

The suggested premium range above a general guide to costs for renewing a lease, but we are not able to advice on the actual costs in the absence of detailed due diligence. You should not use the figures in tribunal or court proceedings. There are no doubt additional concerns that need to be considered and you obviously want to be as accurate as possible in your negotiations. You should not take any other action based on this information before seeking the advice of a professional.

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