We are about to exchange contracts for a property in Castle Bromwich. We have hit a stumbling block. The loan offer with TSB runs out on 15/1/2026 but the owners are putting forward a completion date of 19/1/2026. Can one extend the loan offer?
The best person to address this concern is your lawyer who will assess if he or she is corresponding with the mortgage broker, seller’s representatives, estate agents or possibly all parties taking into account the circumstances your transaction as of today.
My wife and I have recently appointed a conveyancing solicitor in Castle Bromwich. I need to find out if they are on the Godiva Mortgages Ltd conveyancing panel. Could you help?
The first thing to do is call the conveyancer and ask them if they are on the lender panel. Alternatively you can get in touch with Godiva Mortgages Ltd who may be able to confirm.
Can you point me to a directory of Clydesdale panel solicitors in Castle Bromwich on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such facility on the CML or Building Society Association sites. A small selection of lending institutions make their panel listings open the public online. If you are seeking to appoint a Castle Bromwich conveyancer on the Clydesdale please use our facility.
I can not fathom if my bank requires a lease extension. I have called my Castle Bromwich building society branch on a couple of occasions and was reassured it wasn't a problem and they will lend. My Castle Bromwich conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they would not lend in accordance with their published requirements. Who do I believe?
Provided that the lawyer is on the bank panel, they must comply with the CML Handbook requirements for the lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
HSBC have agreed my home loan in principle, my bid on a house in Castle Bromwich has been accepted, what are the next steps?
Your estate agent will wish to be advised as to your solicitor's details (be sure the conveyancing practitioners are on the lender’s panel). Telephone HSBC or your broker and complete any relevant documentation. HSBC will appoint a valuer who will get in contact with the selling agent or owners to arrange a time for the valuation to happen. Once conducted (assuming no problems) it takes on average ten days for the mortgage offer to be issued. HSBC will send the offer to you and your conveyancers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Castle Bromwich.
I used Action Conveyancing a few years past for my conveyancing in Castle Bromwich. I now require my file however the law firm is no longer operating. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Castle Bromwich of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the encouragement of my in-laws I had a survey completed on a property in Castle Bromwich prior to instructing solicitors. I have been informed that there is a flying freehold overhang to the property. My surveyor has said that some banks tend not grant a loan on a flying freehold property.
It depends who your proposed lender is. Santander has different instructions for example to Halifax. If you call us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Castle Bromwich. Conveyancing will be smoother if you use a solicitor in Castle Bromwich especially if they are familiar with such properties in Castle Bromwich.
Given that I will soon part with £400,000 on a house in Castle Bromwich I wish to have a conversation with the conveyancer about myhome move ahead of giving the go ahead to the firm. Is this something that you can arrange?
We could not agree more - it is our preference to talk to you we do not take any clients on without you speaking to the lawyer due to be doing your conveyancing in Castle Bromwich.There is no ‘factory style conveyancing’ - every client is an important person, not a file reference. The law firms that we put you in touch with believe that the figure you are calculated and presented to you for residential conveyancing in Castle Bromwich should be the figure that you are charged.