We were just about to exchange contracts for a semi detached house in Custom House. We encountered a snag. The mortgage offer with Alliance & Leicester runs out on 18/11/2026 but the owners are suggesting a completion date of 20/11/2026. Is it possible to extend the loan offer?
The person best placed to deal with your question is your solicitors who is in a position to determine whether they better off negotiating with the bank, seller’s lawyers, estate agents or conceivably all three taking into account what has happend in your conveyancing as of today.
It is a dozen years since I purchased my home in Custom House. Conveyancing lawyers have now been instructed on the sale but I am unable to locate the title documents. Is this a major issue?
You need not be too concerned. First the deeds may be with the mortgage company or they may be in the possession of the lawyers who acted in your purchase. Secondly the chances are that the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers procuring current official copies of the land registers. Most conveyancing in Custom House relates to registered property but in the rare situation where your property is not registered it adds to the complexity but is not insurmountable.
My partner and I have arranged a further advance on our mortgage from Santander as we want to carry out a loft conversion to our home in Custom House. Do we need to choose a high street Custom House solicitor on the Santander conveyancing panel to deal with the paperwork?
Santander do not ordinarily appoint a member of their approved list of lawyers to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Santander list.
Last month we had a mortgage agreed in principle with Bank of Ireland. Custom House conveyancing practitioners were appointed. What is the average time that one could expect to receive a mortgage offer from Bank of Ireland?
There is no definitive answer here. Have Bank of Ireland done the valuation? Have you informed Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
I am expecting a AIP from Clydesdale this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Clydesdale recommend any Custom House solicitors on the Clydesdale conveyancing panel, or is it better to go independently?
You will need to appoint Custom House solicitors independently although you'll need to choose one on the Clydesdale conveyancing panel. The solicitor represents both you and Clydesdale through the process.
Just had an offer accepted on a new build flat in Custom House. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here are examples of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Custom House
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The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. There must be mutual enforceability of lessee’s covenants. Please confirm the Lease plans are surveyor prepared. Please supply a car parking plan. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?
How can the Landlord & Tenant Act 1954 impact my business premises in Custom House and how can you help?
The particular law that you refer to affords a safeguard to business tenants, granting the a statutory right to apply to court for a renewal tenancy and remain in occupation when the lease comes to an end. There are limited grounds that a landlord can refuse a lease renewal and the rules are complex. We are happy to direct you to commercial conveyancing practices who use the act to your advantage and handle your commercial conveyancing in Custom House
My husband and I are novice buyers - had an offer accepted, but the selling agent informed us that the vendor will only proceed if we appoint the agent's chosen solicitors as they are insisting on a ‘quick sale’. My instinct tells me that we should use a high street solicitor with experience of conveyancing in Custom House
We suspect that the seller is not behind this ultimatum. Should the owner want ‘a quick sale', taking such a hostile approach to a serious buyer is counter productive. Speak to the owners direct and make the point that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you do not need to sell (d) you intend to proceed fast (e)however you will continue to appoint your own,trusted Custom House conveyancing solicitors - rather thanthose that will give their estate agent a referral fee or achieve conveyancing figures demanded by head office.