Will my conveyancing lawyers need to check that the building insurance when buying a house in Malvern. My lender is The Mortgage Works
The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 16/8/2025, the requirements read as follows :
Does a directory service exist listing Principality panel conveyancers in Malvern on the Building Society Association’s Website?
No. There is no such facility on the Council of Mortgage Lenders or Building Society Association websites. Very few mortgage companies make their panel listings visible online. If you are in need of a Malvern conveyancer on the Principality please use our facility.
My husband and I have arranged the release of further monies on our mortgage from Clydesdale as we intend to carry out a loft conversion to our property in Malvern. Do we need to appoint a nearby Malvern solicitor on the Clydesdale conveyancing panel to deal with the paperwork?
Clydesdale do not ordinarily require a member of their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Clydesdale panel.
I have a mortgage with Nationwide for my property in Malvern. Conveyancing has been completed a year 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 buy-to-let mortgage or inform Nationwide?
Your original mortgage agreement with Nationwide will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Nationwide’s mortgage conditions. It may be that Nationwide 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 Nationwide directly. It should not be necessary to do this via a Nationwide conveyancing panel firm.
I have been told that property searches are a common reason for delay in Malvern conveyancing transactions. Is there any truth in this?
The Council of Property Search Organisations (CoPSO) has noted the determinations of a review by MoveWithUs that conveyancing searches do not figure amongst the top 10 causes of delays during the legal transfer of property. Local searches are unlikely to feature in any delay in conveyancing in Malvern.
I am purchasing a new build house in Malvern with a mortgage from Platform Home Loans Ltd. The builders refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The sale representative advised me not inform my lawyer about this side-deal 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.
My a decade ago. He has got wed, divorced and is now married again. He will be selling the apartment in a few weeks. I think he will simply be requested to provide a copy of the marriage certificates to the conveyancer but he is worried it will hold up the conveyancing. Is it worth updating the title information for the property?
It is not absolutely necessary to bring up to date the title for the property on the basis that you have the evidence required to show how the name change has come about.
The purchaser’s solicitor will check the title information and request evidence by way of proof of the change of name for example marriage certificates.