My Clarborough solicitor has uncovered an inconsistency when comparing the assumptions in the home valuation survey and what is in the conveyancing documents. My lawyer has advised that he needs to check that the bank is OK with this discrepancy and is still content to lend. Is my solicitor’s stance appropriate?
Your solicitor must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I am buying a 3 bedroom semi in Clarborough. We would like to carry out an extension to the side at the property.Will legal due diligence on the property involve enquiries to see if these alterations are prohibited?
Your property lawyer should check the deeds as conveyancing in Clarborough will sometimes reveal restrictions in the title documents which prevent certain works or necessitated the consent of another owner. Some works need local authority planning consent and approval in accordance building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
I had an offer accepted on a property in Clarborough on 13/11/2025, valuation was booked 2 days later, all came back fine. Property lawyer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Aldermore and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Aldermore 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 Aldermore to deal with your lawyer's application to be on the Aldermore conveyancing panel. There's no guarantee that your solicitor will be accepted.
At last I have had an offer on a maisonette in Clarborough accepted, but there is a chain. The vendors have placed an offer on a flat, but it’s not been accepted yet, and are looking at other flats booked. I have chosen a local conveyancing solicitor in Clarborough. What should be my next step? When should I get the mortgage application with Santander going?
It is understandable to have apprehensions where there is a chain as you are unlikely to want to incur expenses too early (home loan application is approx £1k, then survey, Clarborough conveyancing search fees, etc). The first thing to do is ensure that your lawyer is on the Santander approved list. Regarding the subsequent steps this very much dictated by the specifics of your transaction, attraction to this property and on the state of the market. In a hot market some buyers would apply for the mortgage with Santander and pay for the valuation and only if it comes back ok would they request their lawyer to move forward with the conveyancing in Clarborough.
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in last month in what should have been a straight forward, chain free conveyancing. Clarborough is the location of the property. Can you shed any light on this issue?
Flying freeholds in Clarborough are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Clarborough you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Clarborough may ascertain 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.
Is it simple use the search tool to select a conveyancing lawyer in Clarborough on the authorised to act for my mortgage?
First select a lender such as HSBC Bank, The Royal Bank of Scotland or Alliance & Leicester then choose your location a common one being Clarborough. Conveyancing practices in Clarborough and beyond will then be listed.
My partner has recommend that I instruct his conveyancers in Clarborough. Should I choose my own solicitor?
There are no two ways about it the best way to choose a conveyancing lawyer is to seek feedback from friends or family who have previously instructed the firm you're contemplating using.