I have a decision in principle. The bank mentioned the mortgage came with free conveyancing. Does this mean I have to use their panel conveyancer as I would prefer to use a Grimsby based conveyancing firm?
You should check but the chances are that appoint one of their panel conveyancers where you want the "fee-free" deal. Contact the lender to explore if they allow a monetary alternative. In the past a few lenders offered a £250 cashback as a further option in which case you could put that amount towards the cost for your conveyancing solicitor near Grimsby.
I have paid off my mortgage with Principality. I assume I don't need a Grimsby conveyancer on the Principality panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Principality 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 Principality mortgage from the register. Principality, 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 Principality has sent the Land Registry the discharge electronically, and
- Principality has instructed the Land Registry to do so
I can not work out if my bank requires a lease extension. I have telephoned my Grimsby bank branch on a couple of occasions and was told they are content with the situation and they will lend. My Grimsby conveyancing solicitor - who is on the bank conveyancing panel- called to say that they refuse to lend in accordance with their specific requirements. Who do I believe?
As long as the property lawyer is on the mortgage company panel, they must follow the CML Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
My offer was accepted on a house in Grimsby on 18/7/2025, valuation was booked 3 days after, all came back fine. Conveyancer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Clydesdale and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Clydesdale conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale to deal with your lawyer's application to be on the Clydesdale conveyancing panel. There's no guarantee that your solicitor will be accepted.
It has been 4 months following my purchase conveyancing in Grimsby completed. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
How does conveyancing in Grimsby differ for new build properties?
Most buyers of new build residence in Grimsby approach us having been asked by the seller to exchange contracts and commit to the purchase even before the premises is ready to move into. This is because builders in Grimsby tend to purchase the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Grimsby or who has acted in the same development.
I am looking into buying my first house which is in Grimsby and I am already nervous. I couldn't find anything specific about Grimsby. Conveyancing will be needed in due course but do you know about the Grimsby area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Grimsby. In the meantime here are some basic statistics that we found
Estate agents have just been given the go-ahead to market my basement flat in Grimsby. Conveyancing lawyers have not yet been instructed, however I have recently had a quarterly service charge demand – what should I do?
The sensible thing to do is discharge the maintenance contribution as normal as all ground rent and maintenance charges will be allotted as part of the financial calculations for completion monies, so you should recover the relevant percentage by the buyer for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.
I purchased a split level flat in Grimsby, conveyancing formalities finalised in 2012. Can you shed any light on how much the price could be for a 90 year extension to my lease? Comparable properties in Grimsby with a long lease are worth £179,000. The ground rent is £65 charged once a year. The lease expires on 21st October 2082
With only 57 years unexpired we estimate the price of your lease extension to be between £26,600 and £30,800 plus plus your own and the landlord's "reasonable" professional fees.
The figure that we have given is a general guide to costs for extending a lease, but we are not able to supply the actual costs without more detailed due diligence. Do not use this information in tribunal or court proceedings. There may be additional concerns that need to be taken into account and you obviously should be as accurate as possible in your negotiations. Neither should you move forward based on this information without first seeking the advice of a professional.