We are a couple about to sign contracts for a ground floor flat in Dursley. We have hit a snag. The mortgage offer with Barclays Direct expires on 20/4/2026 but the owners are putting forward a completion date of 22/4/2026. Is it possible to prolong the mortgage expiry date?
The person best placed to deal with your concern is your solicitors who will hopefully determine if he or she is corresponding with the bank, owner’s solicitors, selling agents or indeed all parties based on what has gone on in your transaction as of today.
Are all Dursley Conveyancing Quality Solicitors on the Kent Reliance conveyancing list of approved practices?
It is true that some lenders now make use of CQS as the kick off point for Panel approval such as HSBC and Santander. The Law Society’s CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitor practices wishing to remain on their panels.
I recently had an offer accepted on an apartment in Dursley. My mortgage broker suggested a conveyancer. I paid an upfront payment of £200. A few days later, the lawyer called me sheepishly admitting that they were not on the Bank of Ireland 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 Bank of Ireland 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.
After shopping around on the internet I have found a Dursley lawyer having checked that they are on the Aldermore conveyancing panel. Does my lawyer arrange the survey of the property?
Aldermore will need an independent valuation of the property. Your lawyer will not arrange this. Usually Aldermore will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Dursley postcode. As you are getting a mortgage with Aldermore, you could contact them to see if they have a list of approved surveyors in Dursley.
My friend advised me that where I am purchasing in Dursley I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Dursley conveyancing searches. It is not a small document of more than thirty pages, listing and setting out important information about Dursley around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Local Education with plans and statistics, Local Amenities and other useful information regarding Dursley.
Are there restrictive covenants that are commonly identified during conveyancing in Dursley?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Dursley. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I opted to have a survey completed on a house in Dursley ahead of instructing lawyers. I have been informed that there is a flying freehold aspect to the property. The surveyor has said that some mortgage companies will not give a mortgage on such a premises.
It varies from the lender to lender. Bank of Scotland has different requirements from Birmingham Midshires. Should you wish to call us we can check via the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Dursley. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Dursley to see if the conveyancing costs will increase in light of this.
Is it possible to switch conveyancer as I have to choose one who is on the Barclays conveyancing list. I instructed a family conveyancing solicitor in Dursley five minutes from me but she is not accepted by Barclays
It would be our pleasure to assist you find a conveyancing solicitor in Dursley on the Barclays panel. Please note that the solicitors that we on the directory do not pay us a referral fee if you instruct them and are regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Dursley. In utilising the find a conveyancing solicitor tool on this site, you can compare and instruct different solicitors and conveyancers both nationally and in Dursley.