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Find a St Andrews Conveyancing Solictior on Your Lender’s Panel

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

Only LenderPanel.com provides a subset of authorised St Andrews conveyancers for over 130 lenders.


Recently asked questions about conveyancing in St Andrews

My husband and I are refinancing our flat in St Andrews with Nottingham. We have a son 19 who lives at home. Our solicitor requested us to identify any adults other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this document specific to the Nottingham conveyancing panel as he did not need to sign this form when we purchased 4 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?

On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Nottingham. This is solely used to protect Nottingham if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Nottingham had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Do banks and building societies provide you with an approved list of St Andrews conveyancing solicitors? How do you know who is on the Principality conveyancing panel?

St Andrews conveyancing firms themselves provide us confirmation that they are on the Principality conveyancing panel as opposed to being supplied with a list from Principality directly.

I opted to have a survey carried out on a property in St Andrews in advance of retaining conveyancers. I have been advised that there is a flying freehold overhang to the house. My surveyor advised that some mortgage companies tend refuse to grant a mortgage on this type of premises.

It depends who your proposed lender is. Santander has different requirements from Nationwide. Should you wish to call us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in St Andrews. Conveyancing may be slightly more expensive based on your lender's requirements.

We're first time buyers - had an offer accepted, but the selling agent has warned us that the owners will only move forward if we use their recommended conveyancers as they are insisting on an ‘expedited deal’. We would rather use a high street conveyancer used to conveyancing in St Andrews

It is unlikely the owners are driving this. Should the vendor require ‘a quick sale', taking such a hostile approach to a genuine buyer is going to damage their objectives. Try to communicate with the vendors directly and make the point that (a)you are motivated purchasers (b)you are excited to move forward, with mortgage lined up © you do not need to sell (d) you intend to proceed fast (e)but you intend to appoint your preferred St Andrews conveyancing solicitors - as opposed tothose that will give their estate agent a commission or hit his conveyancing targets demanded by head office.

Is planning permission required to change a single dwelling into a couple of appartments in St Andrews? This has taken place to a property adjacent to a relative in St Andrews and was unaware of the conversion until after the works were complete.

Planning consent is necessary for splitting a single house in St Andrews into apartments but probably not for converting once again to single dwelling-house so, in answer to your question, yes.

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