I am getting a mortgage with Lloyds. My intention is to use a Licensed Conveyancer in Bedford Park. Does the Lloyds Solicitor panel exclude Licensed Conveyancers?
The Lloyds approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
We were just about to exchange contracts for a semi detached house in Bedford Park. We encountered a snag. The loan offer with Coventry Building Society expires on 16/3/2026 but the owners are insisting on a completion date of 18/3/2026. Is it possible to extend the mortgage expiry date?
The person best placed to deal with your question is your solicitors who will assess if they corresponding with the bank, seller’s conveyancers, property agents or conceivably all three taking into account what has happend in your conveyancing as of today.
I am the sole beneficiary of my late grandmother’s estate with all property in now in my sole name, including the my former home in Bedford Park. Conveyancing formalities meant that the Land Registry date was in December. I want to move. I understand that there is a Mortgage Lenders six month 'rule', which means that my proprietorship will be regarded the same way as though I had purchased the house in December. Is the property unsalable for six months?
The CML handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be caught by that. How practical a view lenders take of it, depend on the mortgage company as this provision is chiefly there to capture the purchase and immediately sell or the wholesaling and assigning of properties.
When it comes to mortgage companies such as UBS, do Bedford Park solicitors incur a yearly amount to be on the list of approved solicitors?
We are unaware of any mortgage company fees to be on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel submission.
My husband and I have arranged a further advance on our mortgage from TSB as we want to carry out a loft conversion to our home in Bedford Park. Are we obliged to appoint a bricks and mortar Bedford Park solicitor on the TSB conveyancing panel to deal with the legals?
TSB do not ordinarily instruct a member of their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the TSB conveyancing panel.
Will our lawyer be raising enquiries about flooding as part of the conveyancing in Bedford Park.
The risk of flooding is if increasing concern for conveyancers specialising in conveyancing in Bedford Park. There are those who acquire a property in Bedford Park, completely aware that at some time, it may be flooded. However, leaving to one side the physical destruction, if a property is at risk of flooding, it may be difficult to get a mortgage, suitable insurance cover, or dispose of the property. There are steps that can be taken during the course of a house purchase to forewarn the purchaser.
Conveyancers are not qualified to impart advice on flood risk, however there are a numerous searches that can be undertaken by the buyer or by their conveyancers which should figure out the risks in Bedford Park. The conventional set of property information forms sent to a purchaser’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) incorporates a standard inquiry of the seller to discover whether the premises has suffered from flooding. If flooding has previously occurred and is not notified by the owner, then a buyer could issue a claim for damages as a result of such an misleading answer. A buyer’s conveyancers may also carry out an enviro report. This will reveal whether there is any known flood risk. If so, further investigations should be initiated.
Due to the guidance of my in-laws I had a survey completed on a house in Bedford Park prior to appointing solicitors. I have been told that there is a flying freehold overhang to the house. My surveyor advised that some lenders will not issue a mortgage on this type of home.
It varies from the lender to lender. HSBC has different instructions from Nationwide. If you contact us we can check via the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Bedford Park. Conveyancing will be smoother if you use a solicitor in Bedford Park especially if they are acquainted with such properties in Bedford Park.
I am looking to sell my house. My past solicitors have shut. It would be helpful to have a recommendation of a conveyancing firm. Im based in Bedford Park if that makes a difference.
You should use our search tool to help you find a solicitor for your conveyancing in Bedford Park. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes with a minimum of fuss.