We were just about to exchange contracts for a freehold house in Forty Hill. We have hit a snag. Our loan offer with Alliance & Leicester expires on 22/4/2025 but the owners are putting forward a completion date of 24/4/2025. Is it possible to prolong the loan expiry date?
The person best placed to deal with your question is your conveyancer who should determine if he or she is corresponding with the bank, seller’s lawyers, estate agents or conceivably all parties taking into account what has gone on in your conveyancing as of today.
We note that you have a search directory listing solicitors on the Virgin Money conveyancing panel. Do companies pay you a commission if I retain them for our conveyancing in Forty Hill?
We are a listing service only for law firms wishing to communicate if they are on the Virgin Money conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Forty Hill.
My wife and I purchasing a victorian detached house in Forty Hill. Our aim is to convert the garage to a playroom at the property.Will legal investigations on the property include checks to see if these alterations are allowed?
Your property lawyer should check the registered title as conveyancing in Forty Hill will sometimes identify restrictions in the title deeds which prohibit certain changes or necessitated the consent of a 3rd party. Many additions require local authority planning consent and approval in accordance building regulations. Some locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be sensible to check these issues with a surveyor ahead of any purchase.
Is it the case that all Forty Hill solicitor practices on the Santander conveyancing panel are governed by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Santander approved list of solicitors they would need to be governed by the Solicitors Regulatory Authority. Many lenders do permit licenced conveyancers on their panel in which case such practice would be governed by the Council of Licensed Conveyancers.
After what seems like an age I have had an offer on a flat in Forty Hill agreed to, but there is a chain. The owners have placed an offer on a flat, however it’s not been accepted yet, and have viewings of other properties in the pipeline. I have instructed a local conveyancing solicitor in Forty Hill. What do I do now? At what point should I apply for the mortgage with Kent Reliance?
It is normal to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is in the region of one thousand pounds, then survey, Forty Hill conveyancing search costs, etc). First, you must check that your conveyancer is on the Kent Reliance conveyancing panel. As to the subsequent phase this very much depends on the circumstances of your transaction, desire for this property and on the state of the market. In a buoyant market the majority of home buyers would apply for a home loan with Kent Reliance and pay for the valuation and only if it was satisfactory would they request their conveyancer to proceed with searches.
I'm purchasing my first flat in Forty Hill with a loan from Godiva Mortgages Ltd. The developers would not budge the amount so I negotiated £7000 of fixtures and fittings instead. The house builders rep told me not reveal to my conveyancer about this extras as it could jeopardize my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
How do I search for a Forty Hill solicitor on the Santander conveyancing panel? I have a car and am willing to travel upto 25miles to meet the lawyer.
You can use the tool on this page. Please select a bank and your location and you will see a number of Forty Hill conveyancing lawyers located nearest you. We have listed some Forty Hill conveyancing firms towards the end of this page and you can telephone them to verify whether they are on the Santander panel
I am purchasing a maisonette with all finances in place. My conveyancer has been given with two distinct proof of photographic ID, bank statement, numerous utility bills. Now he requires a copy from a probate lawyer stating that the money is in place and that it has come from inheritance and not dealing E's in Ibiza.
In today’s world you will not be able to complete any Forty Hill conveyancing transaction without first providing evidence of your identity to your lawyers. This usually takes the form of a either your passport or driving licence and a utility bill. Remember if you are providing your driving licence as evidence of ID it must be both the paper part and photo card part, one is not acceptable without the other. Evidence of your source of funds is required under Money Laundering Regulations.