When buying a property with a mortgage, you need to choose solicitors approved by your lender. At Lockings Solicitors, we are on the HSBC conveyancing panel, as well as being accredited by all major high street mortgage lenders. This means that we can work for both them and you in your purchase.
Should your solicitor not be approved by your mortgage lender, you would need to change law firms or, alternatively, your lender will have to instruct their own conveyancers and you would need to pay the additional legal fees that this will incur.
Our property solicitors offer a full range of services, including purchases and sales where the transaction is complex or high-value. We stay in close contact during the course of your conveyancing, ensuring that you have regular updates and that you are notified as soon as any information is needed or there are documents to sign.
We offer a FREE initial chat so that you can ask us any questions you may have about buying a property with an HSBC mortgage. Call us on 01482 300 200, email us at welcome@lockings.co.uk or fill in our Free Online Enquiry and we will call you back promptly. We have offices in Beverley, Hull and York and represent clients locally and across the country.

Why choose Lockings Solicitors for your property purchase?

We move you faster

Our property solicitors know that you will probably want to move quickly, and we always work to eliminate delays wherever possible. We are proactive in dealing with conveyancing, chasing other parties as needed and ensuring that all of the necessary information is provided promptly.
We have many years of experience in handling all types of property transactions and, should difficulties arise, we know how to resolve matters speedily and effectively.

We are approved by the HSBC conveyancing panel

Because we are HSBC conveyancing panel members, the bank will not need to instruct separate solicitors at extra expense to you. We are also approved by all other major high street lenders to deal with transactions on their behalf.

We are easy to contact

You can call us as needed and we will make ourselves available to discuss your purchase and answer your questions. We are happy to communicate by way of email or phone or, if you prefer, you will always be welcome to come into our offices in person.

We provide great value for money

Our conveyancing services represent excellent value. If you would like a conveyancing quote, call us today and we will give you breakdown of the costs, including additional sums such as search fees, Stamp Duty and registration costs.

Independent accreditations and client recommendations

We are accredited by the Law Society’s Conveyancing Quality Scheme, which is awarded to firms that meet high standards in the provision of legal advice, risk management and client care.

Online conveyancing portal

We have a secure online conveyancing portal for clients to use. You can use this to provide us with the information we will need from you at the start of the transaction.

The legal process for buying a house

Once you decide to move or purchase a property you can call us and we will provide you with the forms that need to be completed. As soon as we have the initial information from you, we can go through the process of opening a file and verifying your identity. This means that we will be ready to start work as soon as we receive the contract papers from your seller’s conveyancer. Getting an early start can reduce the length of time taken to reach readiness for the contract exchange.
When you have an offer accepted on the house you want to buy, you can formally apply for your mortgage. Tell your lender that we will be representing you, and they will arrange to send us your mortgage offer as soon as it is issued.
You can also arrange for a survey to be carried out at this stage. There are different types of surveys available, depending on the age, condition and construction of the property you intend to buy. For example, if you are buying an older home, one that is in poor condition, you intend to make substantial alterations, or the construction is unusual, you will generally be advised to have an in-depth survey carried out so that you have a clear idea of what you are taking on. In any event, you should not rely on your lender’s survey. This is only a basic valuation to confirm that the property covers the amount of their loan.
Once we receive the contract papers from the seller’s solicitor, we can apply for searches. This is usually a local search and drainage enquiries. Depending on where the property is, other searches might be recommended, for example, an environmental search or a mining search.
We will go through all of the paperwork and send a list of questions to the seller’s solicitor to be answered. When we have all of the necessary information, we will report to you on the property. If there is anything out of the ordinary, we will make sure that we go through this with you and explain any legal implications.
When everyone in the chain is ready to proceed, you can let us have your deposit, which is usually 10% of the purchase price. Where you are selling a property at the same time, the deposit on your sale will generally be used.
We will liaise with you and the other parties to agree on the completion day. Contracts will then be exchanged and at that point the contract becomes legally binding.
We will report to your mortgage lender on the legal title to the property and order your mortgage advance in readiness for completion.
On the day of completion, once the seller’s solicitor has received the balance of purchase money from us, we will let you know, and you can contact the estate agent to arrange the collection of the keys.
Following completion, we will arrange for registration of your ownership and the mortgage at HM Land Registry.

Contact our accredited HSBC conveyancing panel solicitors

If you need HSBC panel solicitors to represent you in your property purchase, contact us today and we will be happy to help. We provide expert property services, dealing with both sales and purchases.
You can ring us for a FREE initial chat on 01482 300 200, email us at welcome@lockings.co.uk or fill in our Free Online Enquiry and we will call you back promptly. We have offices in Beverley, Hull and York and represent clients across East Yorkshire, the York area and beyond.