My fiance and I are looking to acquire a property in Hedon and are in fact using a Hedon conveyancing practice. Within the past 48 hours our property lawyer has forwarded the sale agreement to be signed with a detailed report with the expectation that exchange is imminent. National Westminster Bank have this evening contacted us to inform me that they have now hit a problem as our Hedon conveyancer is not on their approved list of lawyers. Is this a problem?

When purchasing a property with the benefit of a mortgage it is conventional for the purchasers' lawyers to also act for the purchaser's lender. In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your property lawyer should contact your mortgage company and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on the lender’s conveyancing panel and you may continue to use your own Hedon solicitors, in which case your legal fees may increase, and it may delay matters as you are adding another lawyer into the mix.

We are looking to buy a flat and need a conveyancing solicitor in Hedon who is on the Co-operative solicitor panel. Could you point me in the right direction as regards a firm?

Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for Co-operative . We don't recommend any particular firms conducting conveyancing in Hedon.

About to place a bid on a leasehold apartment in Hedon. The selling agents say that it is usual for flats in Hedon to have less than 75 years left on the lease. I am getting a loan with Platform. Is this going to be a problem if the lease has Seventy One years remaining.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Platform have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 16/11/2024 the requirements read as follows :

Do I need to pay for insurance to protect me from financial exposure to chancel repairs when buying a residence in Hedon?

Unless a previous acquisition of the house took place after 12 October 2013 you can expect conveyancing practitioners handling conveyancing in Hedon to remain encouraging a chancel search and or chancel repair liability insurance.

Can I determine who owns a property in Hedon?

As long as the premises is registered with HMLR, and you have the details of the address of the premises, you should be able to see details from the the Land Registry of the recorded owner for a a minimal charge.