We are a couple about to exchange contracts for a semi detached house in Fleet. We encountered a problem. The loan offer with Britannia expires on 2/12/2026 but the vendors are insisting on a completion date of 4/12/2026. Can one extend the loan offer?
The best person to deal with your concern is your lawyer who is in a position to assess whether he or she is better off negotiating with the bank, seller’s solicitors, selling agents or possibly all three taking into account what has gone on in your transaction as of today.
We're in Fleet, First time buyers purchasing with a mortgage (lender is Nottingham , and our solicitor is on the Nottingham conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Nottingham conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no property lawyer should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
Are all Fleet Conveyancing Quality Solicitors on the Clydesdale conveyancing panel?
Some major lenders now make use of the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. CQS accreditation however is 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 solicitors wishing to join their panels.
When it comes to mortgage companies such as HSBC, do Fleet property lawyers face a fee to be on the conveyancing panel?
We are not aware of any bank fees to be on their list of approved firms, although some do charge an administration fee to deal with the processing of the conveyancing panel application.
I am due to exchange contracts on my flat. I had a double glazing fitted in July 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Barclays are being difficult. The Fleet solicitor who is on the Barclays conveyancing panel is recommending indemnity insurance as a solution but Barclays are requiring a building regulation certificate. Why do Barclays have a conveyancing panel if they don't accept advice from them?
It is probably the case that Barclays have referred the matter to their valuer. The reason why Barclays may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I have a semi-detached Georgian house in Fleet. Conveyancing solicitor represented me and Platform Home Loans Ltd. I did a free Land Registry search last week and I saw two entries: the first freehold, the second leasehold with the exact same address. Is it worth asking Platform Home Loans Ltd to clarify?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Fleet and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the situation with your conveyancing lawyer who carried out the work.
Hoping to buy a property located in Fleet and I am already nervous. I couldn't find anything specific about Fleet. Conveyancing will be needed in due course but do you know about the Fleet area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Fleet. In the meantime here are some basic statistics that we found
Am I better off to instruct a Fleet conveyancing practitioner in close proximity to the house I am hoping to buy? We have a good friend who can deal with the legal work but his firm is located 200miles drive away.
The benefit of a high street Fleet conveyancing firm is that you can pop in to sign documents, present your identification documents and pester them where appropriate. They will also have local insight which is a plus. However nothing is more important than finding someone that will do a good and efficient job. If if people you trust used your friend and in the main were happy that must surpass using an unknown Fleet conveyancing lawyer solely due to them being Fleet based.