We are about to exchange contracts for a freehold house in Cheshunt. We have hit a snag. Our loan offer with Bank of Ireland expires on 17/7/2026 but the owners are suggesting a completion date of 21/7/2026. Is it possible to extend the mortgage offer?
The person best placed to deal with your concern is your conveyancer who should determine whether they better off negotiating with the mortgage company, owner’s representatives, property agents or possibly all parties given what has happend in your house move as of today.
As someone clueless as to conveyancing in Cheshunt what’s your top tip you can give me concerning the home moving process in Cheshunt
Not many law firms or advisers will tell you this but conveyancing in Cheshunt and elsewhere in Hertfordshire is often a confrontational experience. In other words, when it comes to conveyancing there exists lots of room for confrontation between you and other parties involved in the transaction. E.g., the seller, selling agent and on occasion the mortgage company. Appointing a lawyer for your conveyancing in Cheshunt an important selection as your conveyancer is your adviser, and is the ONLY person in the legal process whose responsibility is to look after your legal interests and to protect you.
There is a definite emergence of a "blame" culture- someone must be blamed for the process taking so long. You should always trust your solicitor ahead of the other parties when it comes to the legal transfer of property.
We have agreed to purchase a house in Cheshunt. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender TSB be concerned?
As your lender is TSB your lawyer must follow the formal requirements set out in Section two of UK Finance Lenders’ Handbook for TSB. The CML Handbook includes minimum conditions for solar panel roof-space leases, and solicitors are required to report to TSB where a lease does not meet these conditions. The provisions relate to the installation of panels on properties countrywide and is not isolated to Cheshunt.
I have decided to exercise my right to buy my property in Cheshunt off the council. I have a mortgage agreed with Co-operative. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Co-operative, you will need to appoint a solicitor on the Co-operative conveyancing panel.
After much negotiation I have agreed a price on an apartment in Cheshunt. My mortgage broker recommended their conveyancers. I paid an advanced payment of £150. A few days later, the property lawyer contacted me to say that they were not on the Leeds Building Society conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Leeds Building Society panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Me and my brother purchased a renovated Edwardian house in Cheshunt. Conveyancing lawyer acted for me and Halifax. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold with the exact same address. I'd like to know for sure, how can I find out??
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Cheshunt and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing lawyer who conducted the conveyancing.
I've recently found out that there is a flying freehold element on a property I put an offer in two weeks back in what was supposed to be a quick, chain free conveyancing. Cheshunt is where the house is located. Is there any guidance you can impart?
Flying freeholds in Cheshunt are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Cheshunt you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cheshunt may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
As co-executor for the will of my father I am disposing of a property in Swansea but live in Cheshunt. My solicitor (based 250 miles awayhas requested that I sign a statutory declaration ahead of completion. Could you suggest a conveyancing practitioner in Cheshunt who can witness this legal document for me?
strictly speaking you are not likely to need to have the documents witnessed by a conveyancing solicitor. Normally or notary public or qualified solicitor will be fine regardless of whether they are based in Cheshunt