Find a Seaford Conveyancing Solictior on Your Lender’s Panel

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

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Recently asked questions about conveyancing in Seaford

My wife and I are getting closer to an exchange on a house in Seaford and my mum and dad have transferred the ten percent deposit to my lawyer. I am now informed that as the deposit has been received from someone other than me my property lawyer needs to disclose this to my lender. I am advised that, in also acting for the lender he must advise them that the balance of the purchase price is coming from anyone other than me. I disclosed to the lender concerning my parents' contribution when I applied for the home loan, so is it really necessary for him to raise this?

The conveyancing practitioner is obliged to check with mortgage company to make sure that they understand that the balance of the purchase price is not from your own resources. The solicitor can only report this to your mortgage company if you permit them to, failing which, your lawyer must cease to continue acting.

Is there a reason why leasehold purchase conveyancing in Seaford costs more?

The conveyancing costs on a leasehold property in Seaford is frequently more expensive when contrasted to a freehold property. This is due to the extra investigations required in communicating with the freeholder and managing agents to obtain information concerning whether the rent and service fee have been paid and whether there are any major works due in the near future on repairs or maintenance of the block.

We have agreed to purchase a house in Seaford. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Kent Reliance be concerned?

Given that your lender is Kent Reliance your lawyer must check the conveyancing instructions contained in Section 2 of UK Finance Lenders’ Handbook for Kent Reliance. The Council of Mortgage Lenders’ Handbook includes minimum specifications for solar panel roof-space leases, and solicitors are required to report to Kent Reliance where a lease does not satisfy these provisions. The conditions relate to the installation of panels on properties in England and Wales and is not restricted to Seaford.

Completion of my purchase has taken place for my property in Seaford. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?

Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.

My offer on a house in Seaford has been agreed to, the owners do however have an associated purchase. The owners have offered on somewhere, but it’s not been accepted yet, and are looking at other flats booked. I have chosen a local conveyancing solicitor in Seaford. What should be my next step? When do I get the mortgage application with Aldermore started?

It is understandable to have apprehensions where there is a chain as you are unlikely to want to be too out of pocket too early (home loan application is in the region of £1k, then valuation, Seaford conveyancing search costs, etc). First, you should check that your conveyancing practitioner is on the Aldermore approved list. Concerning the subsequent steps this very much depends on the specifics of your transaction, attraction to the property and on the state of the market. In a buoyant market many buyers will apply for the mortgage with Aldermore and pay for the valuation and only if it was satisfactory would they pay their solicitor to press on with searches.

Due to the guidance of my in-laws I had a survey completed on a house in Seaford ahead of retaining lawyers. I have been told that there is a flying freehold element to the property. The surveyor has said that some lenders may refuse to grant a loan on a flying freehold home.

It varies from the lender to lender. Bank of Scotland has different instructions for example to Halifax. If you e-mail us we can look into this further via the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Seaford. Conveyancing will be smoother if you use a solicitor in Seaford especially if they are familiar with such properties in Seaford.

I have noted on a number of consumer advice websites that when selecting a conveyancing solicitors they need approved by your mortgage company. It happens to be my first home move but I have an AIP with Santander and I already have a bricks and morter conveyancing solicitor in Seaford lined up. Can Nat West Bank insist on an approved solicitor to be instructed? If so, where do I find that list for my conveyancing in Seaford?

You need to choose a solicitor that is on the Nat West Bank panel. The simplest thing to do is ring your chosen Seaford conveyancing lawyer to check if they are on the Nat West Bank panel. If they are not on the panel you have a couple of choices available to you here:

  • Proceed with your existing Seaford conveyancing practitioner but Nat West Bank will no doubt retain a solicitor on their approved panel. This will result in additional fees and probable delay.
  • Choose a new property lawyer to act in the purchase, obviously checking they are on the Nat West Bank conveyancing panel.
  • Convince your conveyancing practitioner to seek to join the bank panel.

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