We were just about to exchange contracts for a semi detached house in Gosforth. We have hit a stumbling block. Our loan offer with Platform Home Loans Ltd runs out on 29/12/2025 but the sellers are putting forward a completion date of 31/12/2025. Can one extend the mortgage offer?
The person best placed to address this issue is your lawyer who will calculate if they should be discussing with the lender, owner’s conveyancers, estate agents or indeed all three given what has happend in your house move as of today.
We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Is the implication that I have to appoint their panel conveyancer as I would prefer to instruct a Gosforth based conveyancing firm?
Do check but the chances are that allocate you one of their panel lawyers should you accept the "fee-free" deal. Speak to the bank and see if they offer you a cash alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards your preferred conveyancing solicitor near Gosforth.
I am helping my step-mother sell her flat in Gosforth. Will the conveyancing solicitor arrange an EPC or it is for me to see to?
Following the abolition of Home Information Packs, energy performance certificates was kept a mandatory part of moving house. An EPC must be commissioned prior to the property being placed on the market. This is not a task that conveyancers normally organise. If you are instructing a Gosforth conveyancing lawyer they may help arrange energy performance certificates given their contacts with long established local accredited person
Does a directory service exist listing Virgin Money panel solicitors in Gosforth on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such facility on the CML or Building Society Association sites. A small selection of mortgage companies make their panel listings viewable online. Where you are in need of a Gosforth conveyancer on the Virgin Money please make the most of our tool.
I recently had an offer accepted on an apartment in Gosforth. My financial adviser suggested a property lawyer. I paid an on account payment of £150. Soon after, the property lawyer contacted me to say that they were not on the Santander 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 Santander 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.
What will a local search tell me regarding the property we're purchasing in Gosforth?
Gosforth conveyancing often starts with the applying for local authority searches directly from your local Authority or through a personal search company such as Searchflow The local search plays an important role in many a Gosforth conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your new home. The search should reveal information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic headings.
I have recentlybeen informed that Arc property Solicitors have closed. They carried out my conveyancing in Gosforth for a purchase of a freehold house 18 months ago. How can I check that my home is registered correctly in the name of the former proprietor?
The quickest way to see if the premises is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Gosforth conveyancing specialists.
Yesterday I discovered that there is a flying freehold element on a property I put an offer in last month in what should have been a simple, chain free conveyancing. Gosforth is the location of the property. Can you shed any light on this issue?
Flying freeholds in Gosforth are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Gosforth you would need to get your solicitor to go through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Gosforth may determine 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.