Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Langland. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 20/2/2025, the requirements read as follows :
Forgive me if this question is silly but I am wet behind the ears as FTB of a two bedroom flat in Langland. Do I receive the keys to the premises on completion from my conveyancer? If this is the case, I will appoint a local conveyancing solicitor in Langland?
On the day of completion you will not be required to attend the conveyancers office in Langland. Conveyancing lawyers for you will arrange to send the completion advance to the vendor’s conveyancers, and once they have received this, you will be invited to receive the keys from the property Agents and move into your new home. This tends to happen between 1 and 3pm.
I had a mortgage agreed in principle with Coventry BS. Langland conveyancing solicitors were appointed. What is the average time that one could expect to receive a mortgage offer from Coventry BS?
There is no definitive answer here. Have Coventry BS conducted the survey? Have you informed Coventry BS as to your lawyers' details and checked that your lawyers are on the Coventry BS conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
After much negotiation I have agreed a price on a house in Langland. My financial adviser recommended their conveyancers. I paid an upfront payment of £150. Not long after, the lawyer called me embarrassingly acknowledging that they were not on the Lloyds conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Lloyds panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
My partner and I are close to exchanging contracts on the sale of our property in Langland and the buyers lawyers are claiming that there is a risk of it being constructed land that was not decontaminated. A high street Langland conveyancer would know that there is no such problem. For the life of me I don't know why the purchasers instructed a web based conveyancing firm rather than a conveyancing solicitor in Langland. We have lived in Langland for three years we know of no issue. Is it a good idea to get in touch with our local Authority to get confirmation that there is no issue.
It sounds as though you may have a conveyancing lawyer currently acting for you. Are they able to advise? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
How does conveyancing in Langland differ for newly converted properties?
Most buyers of new build residence in Langland come to us having been asked by the housebuilder to sign contracts and commit to the purchase even before the residence is constructed. This is because builders in Langland tend to buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Langland or who has acted in the same development.
I opted to have a survey done on a property in Langland prior to appointing conveyancers. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some mortgage companies tend not issue a mortgage on such a property.
It varies from the lender to lender. Lloyds has different instructions from Nationwide. Should you wish to call us we can look into this further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Langland. Conveyancing may be slightly more expensive based on your lender's requirements.