We were just about to sign contracts for a semi detached house in Hanham. We encountered a snag. Our loan offer with Barnsley Building Society expires on 10/4/2026 but the vendors are putting forward a completion date of 14/4/2026. Is it possible to extend the mortgage expiry date?
The person best placed to address this question is your conveyancer who should determine if they should be discussing with the mortgage broker, vendor’s representatives, estate agents or possibly all parties given the history of your transaction to date.
I am helping my sister sell her property in Hanham. Does the conveyancing solicitor commission the energy performance certificate or it is for me to coordinate?
Following the abolition of Home Packs, energy performance certificates was kept a mandatory element of selling a house. An energy assessment should be commissioned in advance of the property being marketed. It is not a task that lawyers normally arrange. If you are instructing a Hanham conveyancing practitioner they might be willing to arrange energy performance certificates due to their contacts with reputable Hanham accredited person
Forgive me if this question is silly but I am unexperienced as FTB of a two bedroom flat in Hanham. Do I collect the keys to the premises on completion from my lawyer? If this is the case, I will find a local conveyancing solicitor in Hanham?
There is no need to visit the lawyers office on the day of completion. Your solicitors will arrange to send the completion advance to the vendor’s lawyers, and once they have received this, you will be able to receive the keys from the property Agents and start moving into the property. Usually this happens early afternoon.
We previously chose conveyancing lawyers based in Hanham on the Nottingham solicitor panel. They have just billed me a further fee for handling the Nottingham mortgage. Is this an additional conveyancing fee set by Nottingham?
Provided it is contained in their Terms and Conditions or estimate then yes your solicitor may levy a fee for this. The charge is not set by Nottingham but by your Hanham property lawyer. Numerous firms on the Nottingham panel will charge ’dealing with mortgage’ fee and others do not.
A relative advised me that where I am buying in Hanham I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is sometimes included in the estimate for your Hanham conveyancing searches. It is a large document of about 40 pages, listing and detailing significant information about Hanham around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Hanham Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Hanham Education with plans and statistics, Local Amenities and other useful information concerning Hanham.
How does conveyancing in Hanham differ for newly converted properties?
Most buyers of new build property in Hanham approach us having been asked by the seller to exchange contracts and commit to the purchase even before the house is finished. This is because new home sellers in Hanham 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 conveyancing solicitors 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 Hanham or who has acted in the same development.
I've recently bought a leasehold flat in Hanham. Do I have any liability for service charges relating to a period prior to my ownership?
In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Hanham Conveyancing for Leasehold Flats - Examples of Queries Prior to Purchasing
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Be sure to enquire if the the lease contains any adverse restrictions in the lease. For instance some leases prohibit pets being allowed in certain buildings in Hanham. If you like the flatin Hanham however your dog is not allowed to move with you then you have a very difficult decision. How is the lease structured? What is the the remaining lease term?
After what seems like an age a mortgage agreement from a mortgage company for the refinancing of my 3 bedroom apartment is expected by the end of next week. Can you suggest an efficient remortgage conveyancing lawyer in Hanham ?
You are on the wrong site if you are in need of the lowest fares for conveyancing solicitors in Hanham. Our aim is to provide excellent value conveyancing but we do not aim to work with the cheapest lawyers. Do not be fooled by companies offering low cost conveyancing in Hanham.In your best case scenario, in opting for cheap conveyancing, you will end up with what you pay for and at worst you will end up being stung for additional fee and still not receive the service expected.