We are about to sign contracts for a semi detached house in Fallowfield. We encountered a snag. The loan offer with Barclays expires on 24/6/2025 but the owners are insisting on a completion date of 26/6/2025. Can one prolong the mortgage expiry date?
The person best placed to address this concern is your conveyancer who will hopefully calculate if he or she is should be discussing with the mortgage broker, vendor’s lawyers, estate agents or indeed all parties given what has happend in your conveyancing to date.
We note that you have a post code search directory identifying solicitors on the RBS conveyancing panel. Do companies pay you a commission if I retain them for our own conveyancing in Fallowfield?
We are a listing service only for law firms wishing to communicate if they are on the RBS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Fallowfield.
Should our lawyer be raising enquiries about flooding during the conveyancing in Fallowfield.
Flooding is a growing risk for lawyers dealing with homes in Fallowfield. There are those who acquire a house in Fallowfield, completely expectant that at some time, it may be flooded. However, aside from the physical destruction, if a property is at risk of flooding, it may be difficult to obtain a mortgage, adequate insurance cover, or dispose of the property. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Solicitors are not qualified to give advice on flood risk, however there are a various searches that may be undertaken by the buyer or by their conveyancers which can figure out the risks in Fallowfield. The standard completed inquiry forms given to a buyer’s conveyancer (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a usual question of the seller to determine if the premises has ever been flooded. If the property has been flooded in past and is not notified by the owner, then a buyer may issue a legal claim for losses stemming from an inaccurate response. The purchaser’s lawyers will also carry out an environmental report. This will indicate whether there is any known flood risk. If so, more detailed investigations will need to be made.
I completed on my house on 3 October and my personal details are still not on the land registry website. Any reason for this? My conveyancing solicitor in Fallowfield expressed confidence that it would be dealt with in a couple of weeks. Are titles in Fallowfield particularly slow to register?
There is nothing unique about conveyancing in Fallowfield registration formalities. Rather than based on location, timeframes can adjust according to who lodges the application, whether it is in order and whether the Land registry must send notices to any other persons or bodies. At present roughly three quarters of such applications are fully addressed within two weeks but some can be subject to extensive delays. Registration occurs after the buyer has moved in to the premises therefore an expedited registration is not usually primary concern yet where there is a degree of urgency associated with the registration then you or your conveyancer can speak with the land registry and explain the circumstances.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on last month in what should have been a straight forward, no chain conveyancing. Fallowfield is the location of the property. What do you suggest?
Flying freeholds in Fallowfield are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Fallowfield you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Fallowfield may ascertain 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 residence.
As co-executor for the will of my aunt I am selling a residence in Cardiff but reside in Fallowfield. My lawyer (who is 200 kilometers from mehas requested that I execute a statutory declaration before the transaction finalising. Can you recommend a conveyancing lawyer in Fallowfield who can attest this legal document for me?
Technically speaking you are unlikely to need to have the documents attested by a conveyancing solicitor. Ordinarily or notary public or qualified solicitor will suffice regardless of whether they are located in Fallowfield