I have just been advised by my mortgage broker that my Swadlincote the law firm I have appointed is not on the lender Solicitor panel. How can I be sure whether this is correct?

You need to contact your Swadlincote lawyer directly. You lawyer should inform you of the situation. If they are not on the panel they may be able to suggest a Swadlincote conveyancing firm that is on the approved list of lawyers for your bank.

I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Swadlincote. My lender is Bank of Ireland

Bank of Ireland have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 26/7/2024, the requirements read as follows :

My wife and I purchasing a detached bungalow in Swadlincote. Our aim is to an extension at the rear at the property.Will legal conveyancing on the property include checks to determine if these alterations are prohibited?

Your property lawyer will check the deeds as conveyancing in Swadlincote will sometimes reveal restrictions in the title documents which restrict categories of changes or need the consent of another owner. Certain extensions require local authority planning consent and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor ahead of any purchase.

Can you point me to a directory of Aldermore panel solicitors in Swadlincote on the Building Society Association’s Website?

Unfortunately not yet. There is no such facility on the Council of Mortgage Lenders or Building Society Association sites. A small selection of banks make their panel listings viewable online. If you are in need of a Swadlincote solicitor on the Aldermore please use our tool.

I am purchasing a property in Swadlincote. A rare aspect is that the roof has a solar panel. Santander have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

As you are obtaining a mortgage with Santander your lawyer must follow the conveyancing instructions outlined in Part 2 of UK Finance Lenders’ Handbook for Santander. The Council of Mortgage Lenders’ Handbook sets out minimum provisions for solar panel roof-space leases, and property lawyers are required to report to Santander where a lease fails to meet these provisions. The requirements relate to the installation of panels on properties countrywide and is not isolated to Swadlincote.

Various internet forums that I have frequented warn that are a common cause of stalling in Swadlincote house deals. Is this right?

The Council of Property Search Organisations (CoPSO) released findings of research by MoveWithUs that conveyancing searches do not figure amongst the common causes of delays in the conveyancing process. Searches are not likely to be the root cause of holding up conveyancing in Swadlincote.

I'm purchasing my first flat in Swadlincote with the aid of help to buy. The developers refused to move on the amount so I negotiated 6k of additionals instead. The property agent suggested that I not inform my conveyancer about the extras as it will affect my mortgage with the bank. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer 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.