Me and my partner are purchasing a 3 bedroom apartment in Aperfield with a mortgage. We would like to retain our Aperfield lawyer, however the lender says she’s not on their "panel". We have to appoint one of the lender panel conveyancing practices or continue with our Aperfield solicitor and pay for one of their panel firms to represent them. We consider that this is inequitable; can we not demand that the lender use our Aperfield conveyancing practitioner ?
No, not really. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Aperfield conveyancing solicitor to apply to be on the conveyancing panel.
Our Aperfield lawyer has discovered a difference between the surveyor’s assumptions in the valuation survey and what is revealed within the title deeds. My lawyer has advised that he must check that the bank is happy with this discrepancy and is still content to lend. Is my solicitor’s course or action legitimate?
Your conveyancer must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Aperfield. My lender is Accord Mortgages
Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 6/12/2025, the requirements read as follows :
I require expedited conveyancing in Aperfield as I am under a deadline to exchange contracts in less than 4 weeks. Luckily I do not need a mortgage. Can I decline from having conveyancing searches to save fees and time?
If.Given you are not obtaining a home loan you have the choice not to have searches conducted although no law firm would suggest that you don't. With plenty of history conveyancing in Aperfield the following are instances of what can show up and therefore affect the marketability of the property: Enforcement Notices, Outstanding Charges, Overdue Grants, Road Schemes,...
Are there restrictive covenants that are commonly picked up as part of conveyancing in Aperfield?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Aperfield. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’