We are a couple about to sign contracts for a semi detached house in Gunnersbury. We encountered a problem. Our loan offer with Lloyds TSB Bank runs out on 23/6/2026 but the sellers are insisting on a completion date of 25/6/2026. Can one extend the loan expiry date?
The person best placed to deal with your issue is your conveyancer who will hopefully calculate whether he or she is better off negotiating with the bank, seller’s representatives, selling agents or conceivably all three based on what has gone on in your transaction to date.
My father informed me that in buying a property in Gunnersbury there could be a number of restrictions affecting the ability to carry out external alterations to the property. Is this right?
We are aware of anumerous of properties in Gunnersbury which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Gunnersbury should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I have decided to exercise my right to buy my property in Gunnersbury off the council. I have a mortgage agreed with Skipton. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Skipton, you will need to appoint a solicitor on the Skipton conveyancing panel.
I am selling my house. I had a double glazing fitted in March 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Aldermore are being difficult. The Gunnersbury solicitor who is on the Aldermore conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Aldermore are insisting on a building regulation certificate. Why do Aldermore have a conveyancing panel if they don't accept advice from them?
It is probably the case that Aldermore have referred the matter to their valuer. The reason why Aldermore 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.
Are there restrictive covenants that are commonly identified during conveyancing in Gunnersbury?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Gunnersbury. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How does conveyancing in Gunnersbury differ for newly converted properties?
Most buyers of new build or newly converted property in Gunnersbury approach us having been asked by the developer to sign contracts and commit to the purchase even before the premises is completed. This is because builders in Gunnersbury usually 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 used to new build conveyancing in Gunnersbury or who has acted in the same development.
Am I right to be concerned about brokers that I am dealing with are recommending a web based conveyancing firm as opposed to a local Gunnersbury conveyancing firm?
As with many service providers, often recommendations from family and friends can be extremely useful or valuable. Yet there are many players in a conveyancing matter; estate agents, mortgage brokers and banks might all put forward conveyancers to retain. Sometimes these lawyers might be known to one of the organisations as being good in their field, but occasionally there is an underlying financial incentive behind the endorsement. You have the right to select your preferred conveyancer. You need to be aware that many banks operate an approved list of conveyancers you are obliged to use for the lender related work in your conveyancing.
I'm purchasing a house in Gunnersbury. I can find my conveyancer's company on the Law Society's list, but I can't see my conveyancer's name as listed on the regulator's website. Is this a big problem?
Not all staff in the law firm must be listed by the regulator. As long there is a manager qualified to 'oversee' the work, the actual day-to-day activity can be conducted by unqualified staff.