We are about to sign contracts for a ground floor flat in Birchgrove. We encountered a snag. Our loan offer with TSB expires on 31/3/2026 but the sellers are suggesting a completion date of 2/4/2026. Is it possible to prolong the loan offer?
The best person to address this question is your lawyer who is in a position to determine whether they corresponding with the mortgage broker, owner’s conveyancers, selling agents or conceivably all three given the history of your conveyancing as of today.
My partner and I have organised the release of further monies on our home loan from Lloyds as we intend to conduct renovations to our house in Birchgrove. Do we need to choose a high street Birchgrove solicitor on the Lloyds conveyancing panel to handle the legals?
Lloyds don't usually appoint firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Lloyds list.
The formalities of my purchase has taken place for my property in Birchgrove. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I have finally had an offer on an apartment in Birchgrove accepted, but there is a chain. The owners have placed an offer on a flat, however it’s not been accepted yet, and are looking at other apartments in the pipeline. I have selected a bricks and mortar conveyancing solicitor in Birchgrove. What do I do now? At what point do I apply for the mortgage with Bank of Ireland?
It is normal to have anxieties where there is a chain as you are unlikely to want to incur costs prematurely (mortgage application is in the region of one thousand pounds, then valuation, Birchgrove conveyancing search charges, etc). The first course of action is to ensure that your conveyancing practitioner is on the Bank of Ireland conveyancing panel. Concerning the subsequent steps this very much dictated by the circumstances of your case, desire for the property and on the state of the market. During a hot market the majority of buyers would apply for the mortgage with Bank of Ireland and arrange for the valuation and only if it was satisfactory would they pay their lawyer to press on with searches.
I used Action Conveyancing a few years past for my conveyancing in Birchgrove. Now, I need the files but the law firm is no longer operating. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Birchgrove of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Just had an offer accepted on a new build flat in Birchgrove. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below is a sample of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Birchgrove
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Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Forfeiture - bankruptcy or liquidation must not apply under this provision. There must be mutual enforceability of lessee’s covenants. 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. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier?
Looking forward to exchange soon on a ground floor flat in Birchgrove. Conveyancing solicitors assured me that they are sending me a report within the next couple of days. Are there areas in the report that I should be focusing on?
The report on title for your leasehold conveyancing in Birchgrove should include some of the following:
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Whether the landlord has obligations to ensure rights of quiet enjoyment over your premises and do you know what it means in practice? What options are available to the landlord where you breach a clause of your lease? Changes to the property Where does the liability rest for repairing the window frames You would want to be sent a copy of the lease
Birchgrove Leasehold Conveyancing - Examples of Questions you should ask Prior to Purchasing
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Many Birchgrove leasehold apartments will have a service bill for the upkeep of the block levied on behalf of the freeholder. Where you buy the flat you will have to pay this charge, normally in instalments during the year. This can differ from two or three hundred pounds to thousands of pounds for buildings with lifts and large common areas. In all likelihood there will be a rentcharge for you to pay yearly, normally this is not a exorbitant sum, say approximately £25-£75 but you need to enquire as sometimes it could be many hundreds of pounds. Is there a share of the freehold? How many years are left on the lease?
My wife and I have recently appointed a conveyancing solicitor in Birchgrove. I need to find out if they are on the bank's conveyancing panel. Could you help?
It’s a good idea call your lawyer to enquire if they are on the bank's panel. Alternatively please get in touch with us and we can make some checks for you. Should the firm not be on the lender panel we we can help find a quality conveyancing solicitor in Birchgrove on the panel for your mortgage company.