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Find a Christchurch Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Christchurch

In what way does my ID and proof of funds have anything to do with my conveyancing in Christchurch? Why is this being asked of me?

Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the ID of the potential client they are dealing with prior to agreeing to accepting their conveyancing instruction. The Terms and Conditions that you need to sign will no doubt confirm 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 provide identification documents, your conveyancer would not be able to act for you.

I have decided to exercise my right to buy my property in Christchurch off the council. I have a mortgage offer with Nationwide. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Nationwide, you will need to appoint a solicitor on the Nationwide conveyancing panel.

Completion of my remortgage has taken place for my property in Christchurch. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

I recently had an offer accepted on an apartment in Christchurch. My mortgage broker pressured me to appoint their conveyancer. I paid an advanced payment of £225. A couple of days later, the lawyer contacted me embarrassingly acknowledging 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'm purchasing a new build house in Christchurch with a loan from Santander. The sellers would not budge the price so I negotiated 6k of additionals instead. The house builders rep advised me not disclose to my lawyer about this extras as it will adversely affect my loan with the lender. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the builder 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.

I've recently found out that there is a flying freehold element on a property I have offered on last month in what was supposed to be a simple, no chain conveyancing. Christchurch is where the house is located. What do you suggest?

Flying freeholds in Christchurch are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Christchurch you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Christchurch 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 property.

I am one month into a residential purchase having been directed to solicitors by the estate agent to execute conveyancing in Christchurch. We are not happy. Could you help me find new conveyancers?

They would need to be very poor in order to consider replacing them. Has the mortgage offer been issued? In the event that it has you must advise them of the new solicitor and get the offer are issued to the new lawyers. The conveyancer should be on the lenders approved list to avoid escalating expenses and frustration. That should be your first question of the new solicitors. The find a solicitor tool can assist you in finding a bank approved conveyancer for your home move in Christchurch

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Find out more about how flying freehold can affect your the value of a property.