Author: Simon Seaton
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Auditing Historical Clydesdale Bank Mortgages: Why Timing Is Everything in Conveyancing Claims
When investigating potential conveyancing negligence, title defects, or lender claims involving a Clydesdale Bank mortgage, practitioners face a unique audit challenge: what did Clydesdale Bank actually require on the exact day of completion? Given Clydesdale Bank’s distinct historical footprint—stretching from its legacy under National Australia Bank (NAB) to CYBG, its rebrand with Virgin Money, and…
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Check Your Solicitor Is on the NatWest Conveyancing Panel
National Westminster Bank keeps a list of the solicitors and licensed conveyancers it is willing to deal with. If your firm is not on it, the bank will not send your mortgage money to them, however competent they are, and however far along the transaction has got. Most NatWest cases are also instructed through the…
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Understanding Historical Santander Conveyancing Requirements: Why Your Property Completion Date Matters
When investigating property transactions, defect claims, or conveyancing compliance, relying on current mortgage guidelines often leads to inaccurate conclusions. Lenders regularly update their UK Finance Mortgage Lenders’ Handbook (formerly CML Part 2) instructions, meaning that what Santander mandates today may differ significantly from their rules several years ago. For legal professionals, home buyers, and property…
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Missing Building Regulations Certificate? Selling & Buying
Missing building regulations paperwork? Compare replacement certificates, indemnity insurance, regularisation and surveys before your house sale proceeds.
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The FCA Is Set to Take On Legal Sector AML Oversight: What It Means for Law Firms
The UK government has confirmed that the Financial Conduct Authority (FCA) expects to begin supervising anti-money laundering (AML) efforts for legal professionals before the end of 2028, with full sector onboarding targetted for mid-2030. This milestone represents the biggest structural shift in legal compliance in years, moving anti-money laundering supervision away from the Solicitors Regulation…
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Navigating Historical Halifax Mortgage Requirements: Why Past Handbook Rules Matter
When investigating past property transactions or handling professional negligence claims in conveyancing, looking up today’s UK Finance Mortgage Lenders’ Handbook rules is not enough. Lenders like Halifax routinely update their Part 2 requirements, meaning the instruction applicable to a transaction that completed in 2012 or 2018 may be completely different from today’s handbook guidelines. Understanding…
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Missing building regulations paperwork: why wasn’t this a problem when I bought?
You bought the house. Your mortgage went through. Years later, you put it up for sale. Now the buyer’s solicitor is asking for a building regulations certificate for the extension. You cannot find one. Your buyer wants answers, and the sale is slowing down. The obvious question is about the missing certificate. The more uncomfortable…
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Missing service rights: why working pipes can still hold up your property sale
The water runs. The drains work. You have lived in the property for years without a problem. Then you try to sell, and the buyer’s solicitor asks whether you have the legal right to use—and repair—the pipes crossing your neighbour’s land. Suddenly, something you never thought about is holding up the transaction. Missing easements or…