Our solicitor has uncovered a defect with the lease for the flat we are buying in Moston. The other side have put forward defective title insurance as a workaround. We are happy with insurance and will pay for it. Our solicitor has advised that he must check that the lender is happy with this solution. Are we the client or is the mortgage company ?
Even though you have a mortgage offer from the mortgage company does not mean to say that the property will meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the mortgage company are the client. These conveyancing instructions must be adhered to.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Moston. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 18/2/2025, the requirements read as follows :
We had appointed solicitors located in Moston on the Barclays solicitor approved list. They have just invoiced me an additional sum for handling the Barclays mortgage. Is this an additional conveyancing fee set by Barclays?
As unfair as it may appear, as long as it’s in their Terms of Engagement or Quote then yes your conveyancer is entitled to levy a fee for this. This charge is not dictated by Barclays but by your Moston solicitor. Some firms on the Barclays panel will charge ’dealing with mortgage’ fee but some practices include it on their overall fee.
I have paid off my mortgage with Nationwide. I assume I don't need a Moston lawyer on the Nationwide panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Nationwide mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Nationwide mortgage from the register. Nationwide, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Nationwide has sent the Land Registry the discharge electronically, and
- Nationwide has instructed the Land Registry to do so
I was told two weeks ago that my mortgage has been agreed to by Clydesdale. Is it usual for Clydesdale to only issue the offer once my solicitor in Moston is approved on their conveyancing panel? Clydesdale have asked my solicitor to see a copy of their PI Insurance.
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.
The deeds to my home are lost. The conveyancers who handled the conveyancing in Moston 4 years ago have long since closed. Will I be able to sell the house?
As long as you have a registered title the details of your ownership will be retained by the Land Registry under a Title Number. It is easy to execute a search at the Land Registry, identify your property and secure current copies of the property title for less than a fiver. If the property is Leasehold then the Land Registry will usually hold a certified duplicate of the Registered Lease and again, a copy can be retrieved for £20 inclusive of VAT.
In my capacity as executor for the will of my grandmother I am selling a property in Cardiff but I am based in Moston. My solicitor (based 250 miles from merequires that I execute a statutory declaration before completion. Can you recommend a conveyancing lawyer in Moston to witness this legal document for me?
strictly speaking you are unlikely to be required to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will suffice regardless of whether they are based in Moston