We are a couple about to sign contracts for a property in Harehills. We encountered a stumbling block. Our mortgage offer with Lloyds TSB Bank runs out on 2/9/2025 but the vendors are putting forward a completion date of 4/9/2025. Can one prolong the mortgage expiry date?
The best person to deal with your issue is your solicitors who will hopefully assess whether they corresponding with the lender, seller’s conveyancers, estate agents or indeed all parties taking into account the history of your conveyancing as of today.
Completed the sale of my flat in Harehills last March yet the purchaser is e-mailing daily to moan that their conveyancer is waiting to hear from mine. What should have happened now that I have sold?
Following your house sale your conveyancer is duty bound to send the transfer deeds and all of the paperwork to the buyer’s solicitors. If applicable, your lawyer must also confirm that the mortgage has been redeemed to the purchasers lawyers. There are no post completion requirements specific conveyancing in Harehills.
I have a decision in principle. The bank mentioned the mortgage came with free conveyancing. Is the implication that I have to use their panel lawyer as I would much rather use a specialised conveyancing solicitor in Harehills?
You should check but the chances are that appoint one of their panel conveyancers should you take up the "fee-free" offer. Contact the mortgage company to explore if they allow a monetary alternative. Some lenders have previously offered a £250 cashback as a further option in which case you could put that amount towards your preferred conveyancing solicitor in Harehills.
What is your number one tip for choosing a conveyancing solicitor in Harehills
We would encourage you not to base your choice on the lowest Harehills conveyancing costs illustration. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
We have a mortgage agreed in principle with Bank of Ireland. Harehills conveyancing solicitors are selected. What is the average time that one could expect to receive a mortgage offer from Bank of Ireland?
Some lenders take longer than others. Have Bank of Ireland conducted the survey? Have you informed Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
Completion of my purchase has taken place for my property in Harehills. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
Yesterday I discovered that there is a flying freehold element on a property I put an offer in two weeks back in what was supposed to be a straight forward, no chain conveyancing. Harehills is where the house is located. What do you suggest?
Flying freeholds in Harehills 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 Harehills you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Harehills 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 property.
We're first time buyers - agreed a price, but the agent informed us that the vendor will only proceed if we use their recommended solicitors as they need an ‘expedited deal’. Our preferred option is to instruct a family solicitor who is accustomed to conveyancing in Harehills
It is improbable the vendors are driving this. Should the owner desire ‘a quick sale', alienating a serious purchaser is not the way to achieve this. Avoid the agents and go straight to the sellers and explain that (a)you are keen to buy (b)you are ready to go, with finances arranged © you do not need to sell (d) you wish to move quickly (e)but you intend to instruct your preferred Harehills conveyancing lawyers - not the ones that will give their estate agent a kickback or meet his conveyancing thresholds set by HQ.