We are about to sign contracts for a freehold house in Bilborough. We have hit a snag. Our mortgage offer with HSBC Bank expires on 17/11/2025 but the sellers are putting forward a completion date of 19/11/2025. Can one extend the mortgage expiry date?
The best person to deal with your concern is your lawyer who will hopefully determine whether he or she is corresponding with the mortgage broker, vendor’s solicitors, property agents or conceivably all parties based on the circumstances your conveyancing as of today.
My solicitor has informed me that lack of planning permission insurance is necessary on my purchase. What is the level of cover for Bilborough conveyancing?
The right level of lack of planning permission indemnity insurance should be dictated by who your lender. It would differ for example between Halifax and Leeds Building Society. Conveyancing practitioners as opposed to borrowers take out such insurances.
I am expecting a AIP from Yorkshire BS 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 Yorkshire BS recommend any Bilborough solicitors on the Yorkshire BS conveyancing panel, or is it better to go independently?
You will need to appoint Bilborough solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
The mortgage over my property is with Clydesdale for my property in Bilborough. Conveyancing was finalised a year ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Clydesdale?
Clydesdale must be informed of your intention before letting out your property as this is likely to be a breach of Clydesdale’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Clydesdale directly. It should not be necessary to do this via a Clydesdale conveyancing panel firm.
Despite weeks of looking the Title Certificate and documents to our property are lost. The solicitors who did the conveyancing in Bilborough 5 years ago are no longer around. What are my options?
As long as the title is registered the details of your proprietorship will be held by the Land Registry with a Title Number. It is possible to perform a search at the Land Registry, locate your house and order current copies of the Registered Entries for less than a fiver. Where the title is Leasehold then the Land Registry will usually retain a file copy of the Registered Lease and again, a copy can be obtained for twenty pounds.
I am buying a new build flat in Bilborough. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here is a sample of a selection of leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Bilborough
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Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease.
I'm refinancing my existing property to a buy to let mortgage with Britannia and I will use the ballance of the raised equity as a down payment on further house. The area we are looking at is Bilborough. Will your lawyers be able to act for both sets of banks and link together the two deals?
Make use of our comparison tool on this site to ensure that the conveyancers are approved by both lenders. On the basis that they are your solicitor will be able to tie up the two conveyancing matters but you should talk with you solicitor and communicate your expectations and requirements.
My husband and I are four weeks into a leasehold purchase having been recommend to conveyancers by the high street agent to do our conveyancing in Bilborough. I am not happy. Could you help me find new lawyers?
They would have to be really poor in order to consider diss instructing them. Has your loan offer been generated? In the event that it has you must inform them of the new contact details and ensure the offer are re-sent. Your solicitor ideally needs to be on the banks approved list to avoid escalating costs and frustration. So that should be your first question of the new solicitors. Our search tool should assist you in finding a bank approved conveyancer for your conveyancing in Bilborough