I plan on buying a ground floor flat in Merseyside. My lawyer is not listed on the lender conveyancing list. Is it possible for me to retain my Merseyside conveyancing solicitor even though they are excluded from the lender approved list?

You have numerous options available to you here

• Carry on with your preferred Merseyside lawyer but your mortgage company will no doubt use a property lawyer on their conveyancing panel. This will result in additional charges and probable delay.
• Choose a fresh conveyancer to conduct the conveyancing, making sure they are on the bank conveyancing panel.
• Convince your conveyancing practitioner to apply to join the bank panel

It is 10 years ago since I acquired my house in Merseyside. Conveyancing lawyers have now been appointed on the sale but I am unable to track down my title documents. Is this a major issue?

You need not be too concerned. First the deeds may be retained by your lender or they could be archived with the lawyers who oversaw the purchase. Secondly in most cases the title will be registered at the land registry and you will be able to prove you own the property by your conveyancing solicitors procuring current official copies of the land registers. Most conveyancing in Merseyside relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is resolvable.

Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Merseyside. My lender is The Mortgage Works

The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 18/10/2025, the requirements read as follows :

I completed on my flat on 5 April and my personal details are still not on the land registry website. Need I be worried? My conveyancing solicitor in Merseyside advises it will be concluded inside ten days. Are transfers in Merseyside particularly slow to register?

As far as conveyancing in Merseyside registration is no faster or slower than anywhere else in the country. As opposed to being determined by geographic area, timescales can differ subject to the party submitting the application, whether there are errors and whether the Land registry must send notices to any 3rd parties. Currently roughly 80% of submission are fully dealt with in less than three weeks but some can be subject to longer delays. Registration is effected after the buyer is living at the premises therefore post completion formalities is not typically primary concern but if there is a degree of urgency associated with the registration then you or your lawyers should speak with the land registry and explain the circumstances.

I need to find a conveyancing solicitor for leasehold conveyancing in Merseyside. I have land on a site which seems to have the perfect offering If it is possible to get all formalities done via phone that would be preferable. Should I be concerned? What are the potential pitfalls?

As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?