We are about to sign contracts for a property in Burton Bradstock. We have hit a stumbling block. The loan offer with Barnsley Building Society runs out on 23/1/2026 but the owners are putting forward a completion date of 27/1/2026. Can one extend the loan offer?
The best person to address this issue is your lawyer who is in a position to assess if he or she is should be discussing with the bank, owner’s representatives, property agents or possibly all parties taking into account the history of your transaction to date.
A friend advised me that if I am buying in Burton Bradstock I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is sometimes quoted for as part of the standard Burton Bradstock conveyancing searches. It is not a small document of more than thirty pages, listing and detailing important information about Burton Bradstock around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Burton Bradstock Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Burton Bradstock Education with plans and statistics, Local Amenities and other useful data concerning Burton Bradstock.
Despite weeks of looking the Title Certificate and documents to our house are lost. The conveyancers who dealt with the conveyancing in Burton Bradstock 4 years ago have long since closed. What are my options?
Gone are the days when you need to have the physical deeds to evidence that you own the land or property, as the Land Registry have everything they need in a digital format.
I'm buying my first flat in Burton Bradstock benefiting from help to buy. The developers refused to budge the amount so I negotiated five thousand pounds worth of additionals instead. The property agent suggested that I not inform my lawyer about the side-deal as it could affect my loan with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Am I right to be wary about brokers that I am dealing with are encouraging me to use a factory type conveyancing firm as opposed to a High Street Burton Bradstock conveyancing firm?
As is the case with many service providers, often referrals from relatives can be most helpful. But there are lots of players in a conveyancing transaction; estate agents, mortgage brokers and lenders might all recommend solicitors to appoint. On occasion these lawyers might be known to one of the organisations as being good in their field, but sometimes there may be a commercial relationship behind the recommendation. You have the discretion to select your own lawyer. You need to be aware that most banks specify a panel list of solicitors you have to use for the lender related work in your house move.
Why do I have to provide my property lawyer with numerous items of ID ahead of starting my conveyancing in Burton Bradstock?
Burton Bradstock conveyancers are obliged by the Law Society, Solicitors Regulation Authority, the Land Registry and current AML Regulations to certify that the have verified the identity of their clients. It is also sometimes a condition of your lender where you are taking a mortgage. Furthermore they have to complete various forms, particularly those relating to Land Tax and need to have details such as your full names, NI number and date of birth.