We were just about to exchange contracts for a semi detached house in Grappenhall. We have hit a snag. The mortgage offer with Bank of Ireland runs out on 18/8/2025 but the vendors are insisting on a completion date of 20/8/2025. Can one prolong the loan offer?
The best person to address this issue is your conveyancer who will determine whether he or she is should be discussing with the bank, vendor’s representatives, selling agents or indeed all three based on the history of your conveyancing to date.
Can I use your services to locate a Conveyancing solicitor in Grappenhall even if I’m not purchasing or selling a house, for example if I intend to acquire a shop in Grappenhall with a mortgage from Halifax?
The service is mainly used to get a quote from residential conveyancing solicitors in Grappenhall but we have listed at the bottom of this page a selection of Grappenhall commercial conveyancing firms. You will need to enquire with the solicitors directly to see if they can also act for Halifax
I am planning to move property in September. Does my conveyancing solicitor update the removal company on the completion day. On a separate note, can you put forward a removal company in Grappenhall. Conveyancing lawyer was found prior to coming across this site.
On the afternoon of completion you can collect the house keys from the selling agent but this should only take place when the previous owners lawyers inform the agent that they acknowledge receipt of the completion payment and the keys can be passed over. You can tell the removal company that they can start moving you in. We do not recommend a specific removal company but can assist you in choosing a residential property solicitor in Grappenhall or a solicitor that specialises in conveyancing in Grappenhall.
I have today made my last payment due on my mortgage with Leeds Building Society. I assume I don't need a Grappenhall property lawyer on the Leeds Building Society panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Leeds Building Society mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Leeds Building Society mortgage from the register. Leeds Building Society, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Leeds Building Society has sent the Land Registry the discharge electronically, and
- Leeds Building Society has instructed the Land Registry to do so
I have a mortgage with Aldermore for my property in Grappenhall. Conveyancing has been completed some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Aldermore?
You must advise Aldermore before renting your property as this is likely to be a breach of Aldermore’s mortgage conditions. It may be that Aldermore will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Aldermore directly. It should not be necessary to do this via a Aldermore conveyancing panel lawyer.
The deeds to our home can not be found. The conveyancers who handled the conveyancing in Grappenhall 10 years ago no longer exist. What are my options?
Nowadays there are duplicates made of almost everything, and your lawyer should be aware exactly where to locate all the relevant paperwork so you can buy or dispose of your property without any difficulty. Where copies can’t be located, your solicitor may be able to arrange cover in the form of insurance or indemnities protecting you against future claims on the premises.
I'm purchasing my first flat in Grappenhall benefiting from help to buy. The developers refused to reduce the price so I negotiated five thousand pounds worth of additionals instead. The house builders rep suggested that I not disclose to my conveyancer about the extras as it could affect my mortgage with the bank. Should I keep quiet?.
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.
I've recently found out that there is a flying freehold element on a house I have offered on two weeks back in what should have been a simple, no chain conveyancing. Grappenhall is the location of the property. What do you suggest?
Flying freeholds in Grappenhall are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Grappenhall you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Grappenhall 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 property.