My partner and I are looking to buy a house in Holt and are in fact using a Holt conveyancing firm. Within the last couple of days our solicitor has sent a preliminary report and documents to look through with a view to exchanging next week. TSB have this evening contacted us to inform me that there is now an issue as our Holt conveyancer is not on their conveyancing panel. Is this a problem?
Where you are buying a property with the assistance of a mortgage it is normal for the purchasers' solicitors to also represent the mortgage company. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your property lawyer should contact your mortgage company and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on the lender’s conveyancing panel as you are at liberty to use your preferred Holt lawyers, in which case your legal fees may increase, and it may delay matters as you are adding another lawyer into the mix.
I am buying a house for cash in Holt. I have lived for the last Seventeen years in Holt. Conveyancing searches are a lot of money. Given that I know the road and vicinity very well should I not bother getting the solicitor to do all the conveyancing searches?
If you not getting a mortgage, then almost all of the Holt conveyancing searches are optional. Your lawyer will 'advise', perhaps strongly, that you should have searches completed, but she is duty bound to take that path of encouragement . One thing to consider; if you are going to sell the house at a future date, it could be of importance to your prospective buyer what the searches contain. On occasion properties with no practical issues can still show up adverse search results. A good conveyancing solicitor in Holt should be able to give you some helpful guidance concerning this.
Will my conveyancing lawyers need to check that the building insurance when buying a house in Holt. My lender is Bank of Ireland
Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 19/12/2025, the requirements read as follows :
My father informed me that in buying a property in Holt there could be a number of restrictions limiting what one can do in terms of external changes to the property. Is this right?
There are anumerous of properties in Holt which have some sort of restriction or requirement of consent to execute external changes. Part of the conveyancing in Holt should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
My solicitor has informed me that absentee landlord insurance is necessary on my purchase. What is the level of cover for Holt conveyancing?
The appropriate level of absentee landlord indemnity insurance depends on who your lender is. It would differ for example between Yorkshire Building Society and Leeds Building Society. Conveyancing lawyers as opposed to members of the public take out such policies.
I am selling my apartment. I had a double glazing fitted in September 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, UBS are being pedantic. The Holt solicitor who is on the UBS conveyancing panel is happy to accept ‘lack of building regulation’ insurance but UBS are requiring a building regulation certificate. Why do UBS have a conveyancing panel if they don't accept advice from them?
It is probably the case that UBS have referred the matter to their valuer. The reason why UBS may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Are there restrictive covenants that are commonly identified during conveyancing in Holt?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Holt. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’