We were just about to sign contracts for a freehold house in Chester. We have hit a snag. Our loan offer with Barclays expires on 18/12/2025 but the owners are suggesting a completion date of 22/12/2025. Is it possible to prolong the mortgage offer?
The best person to address this issue is your conveyancer who will assess if he or she is should be discussing with the bank, owner’s lawyers, property agents or indeed all parties taking into account the history of your house move as of today.
Do conveyancers ask for money up-front for my conveyancing in Chester?
Where you are retaining lawyers for conveyancing in Chester your lawyer will ask you put them with monies to cover the search fees. This will be the total of the cost of the conveyancing searches. If any deposit is as part of the purchase price then this will be needed shortly in advance of exchange of contracts. Any further balance that is due should be transferred shortly before completion.
My fiance and I wish to acquire a newbuild apartment in Chester with a homeloan from Platform Home Loans Ltd.We have a Chester conveyancing solicitor but Platform Home Loans Ltd says he's not listed on their approved list of member firms. It seems we are left with no choice but to instruct a Platform Home Loans Ltd panel solicitor or retain our high street solicitor and fork out for a Platform Home Loans Ltd panel lawyer to represent them. This seems very unfair; Can we not simply insist that Platform Home Loans Ltd use our lawyer?
No, not really. The loan offered to you is subject to its terms and conditions, one of which will be that solicitors must be on the Platform Home Loans Ltd approved list. Until recently, most mortgage companies had large numbers of solicitors on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Platform Home Loans Ltd
My friend advised me that if I am buying in Chester I should ask my conveyancer to 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 included in the estimate for your Chester conveyancing searches. It is not a small report of about 40 pages, listing and setting out significant information about Chester around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Chester Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Chester Education with plans and statistics, Local Amenities and other useful data about Chester.
Are there any apps to help search for a Chester law firm on the Barclays conveyancing panel? I have a car and am prepared to travel upto 20kilometers to meet the conveyancer.
Feel free to make use of the facility on this website. Please choose the bank and your location and you will see a number of Chester conveyancing lawyers locally. We have listed some Chester conveyancing firms towards the end of this page and you can call them to see whether they are on the Barclays member panel
Is it best to appoint a Chester conveyancing solicitor who is local to the property I am buying? We have a good friend who can conduct the conveyancing however they are based a couple of hundredmiles drive away.
The benefit of a high street Chester conveyancing practice is that you can pop in to execute documents, present your ID and pester them if necessary. They will also have local knowledge which is a plus. However nothing is more important than finding someone that will pull out all the stops for you. If other friends have instructed your friend and they were content that should surpass using an unfamiliar Chester conveyancing lawyer just because they are local.