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Find a Sefton Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Sefton

We were just about to exchange contracts for a freehold house in Sefton. We encountered a snag. The mortgage offer with Lloyds TSB Bank expires on 17/1/2025 but the vendors are putting forward a completion date of 21/1/2025. Is it possible to prolong the loan expiry date?

The person best placed to address this issue is your solicitors who is in a position to assess whether he or she is should be discussing with the mortgage broker, vendor’s solicitors, selling agents or indeed all parties taking into account what has gone on in your transaction to date.

My wife and I buying a victorian detached house in Sefton. We would like to an extension at the rear at the property.Will the conveyancing process involve investigations to ascertain if these alterations are permitted?

Your conveyancer will review the registered title as conveyancing in Sefton can occasionally identify restrictions in the title documents which prevent categories of alterations or require the consent of another owner. Some works need local authority planning permissions and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor before you commit yourself to a purchase.

I am expecting a AIP from HSBC this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do HSBC recommend any Sefton solicitors on the HSBC conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Sefton solicitors independently although you'll need to choose one on the HSBC conveyancing panel. The solicitor represents both you and HSBC through the process.

It is unclear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Sefton bank branch on a couple of occasions and was told they are content with the situation and they will lend. My Sefton conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they refuse to lend based on their published requirements. I have no idea who is right.

Your lawyer must follow the CML Handbook section two provisions for your bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.

I'm buying my first flat in Sefton benefiting from help to buy. The sellers would not budge the amount so I negotiated 6k of fixtures and fittings instead. The estate agent suggested that I not inform my lawyer about this deal as it may put at risk my mortgage with the lender. Should I keep quiet?.

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

Given that I am about to spend £400,000 on a terraced house in Sefton I wish to have a conversation with the solicitor about myconveyancing before giving the go ahead to the firm. Can this be arranged?

Absolutely - it is our preference to talk to you we do not take any clients on without you speaking to the solicitor who will be conducting your conveyancing in Sefton.There is no ‘factory style conveyancing’ - each client is an important individual, not a matter reference. The practices that we put you in touch with believe that the fees you are provided with for your conveyancing in Sefton should be the amount on the final invoice that you are charged.

We are in the middle of purchasing a house in Sefton. Conveyancing solicitor has told us the property is "Leasehold". Does this impact the salability of the house?

Sefton conveyancing does not ordinarily involve leasehold houses. The main factor here is the length of lease and the ground rent. If there are over a hundred years remaining with a nominal rent, it's essentially freehold, so it’s unlikely to impact the saleability too much.

At the other extreme, if it's, say, 50 years it will have a significant impact on the saleability, and probably wouldn't be acceptable to the bank. The length of lease and ground rent will be set out in the lease to be supplied to your lawyer.

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