We were just about to exchange contracts for a freehold house in Conisborough. We encountered a stumbling block. Our loan offer with TSB runs out on 23/1/2026 but the owners are insisting on a completion date of 27/1/2026. Is it possible to prolong the loan offer?
The best person to deal with your concern is your conveyancer who will hopefully assess if he or she is corresponding with the mortgage broker, vendor’s representatives, selling agents or conceivably all three given the circumstances your conveyancing to date.
Our mortgage company has recommended a law firm on their panel based in Conisborough but I would rather use a conveyancing lawyer in Conisborough or nearer to where I live. Can you help?
Not all Conisborough conveyancing practices are on all banks conveyancing panel. Use our find an approved solicitor tool to choose a Conisborough conveyancing conveyancer on the on the mortgage company panel.
is it true that all Conisborough conveyancing solicitors on the Lloyds conveyancing panel are regulated by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Lloyds approved list of solicitors they would need to be governed by the Solicitors Regulatory Authority. Some mortgage companies do list licenced conveyancers on their panel and in such a situation the practice would be overseen by the Council of Licensed Conveyancers.
We have agreed to purchase a house in Conisborough. An unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Clydesdale be concerned?
Given that your lender is Clydesdale your lawyer must follow the formal instructions outlined in Part 2 of UK Finance Lenders’ Handbook for Clydesdale. The Council of Mortgage Lenders’ Handbook stipulates minimum provisions for solar panel roof-space leases, and conveyancers are required to report to Clydesdale where a lease fails to comply with these conditions. The conditions relate to the installation of panels on properties in England and Wales and is not restricted to Conisborough.
I recently had an offer accepted on an apartment in Conisborough. My mortgage broker recommended their conveyancers. I paid an advanced payment of £225. A few days later, the conveyancer contacted me embarrassingly acknowledging that they were not on the TSB 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 TSB 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.
five months have elapsed since my purchase conveyancing in Conisborough completed. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £160,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
Due to the encouragement of my in-laws I had a survey completed on a property in Conisborough in advance of appointing solicitors. I have been advised that there is a flying freehold overhang to the house. My surveyor advised that some banks tend refuse to issue a loan on a flying freehold property.
It varies from the lender to lender. HSBC has different instructions from Halifax. If you e-mail us we can look into this further via the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Conisborough. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Conisborough to see if the conveyancing will be more expensive.
Am I best advised to choose a Conisborough conveyancing practitioner based in the location that I am purchasing? We have a good friend who can deal with the legal work however his firm is located 300kilometers away.
The primary upside of using a local Conisborough conveyancing firm is that you can attend the office to sign paperwork, hand in your ID and pester them where appropriate. Having local Conisborough know how is a bonus. That being said it's more important to get someone that will pull out all the stops for you. If if people you trust instructed your friend and in the main were happy that should surpass using an unknown Conisborough conveyancing solicitor just because they are round the corner.