We are a couple about to exchange contracts for a property in Haverfordwest. We encountered a stumbling block. Our mortgage offer with The Mortgage Works expires on 16/3/2026 but the owners are putting forward a completion date of 18/3/2026. Can one prolong the mortgage offer?
The best person to address this issue is your solicitors who is in a position to determine if they should be discussing with the mortgage company, vendor’s representatives, selling agents or possibly all three based on what has gone on in your transaction to date.
Having invested time reading consumer advice sites for an online solicitor in Haverfordwest, many say that I must look for a CQS kitemarked solicitor. Can you explain what CQS is?
The Law Society's Conveyancing Quality Scheme is the recognised kitemark for legal experts in the legal transfer of properties, trusted by some of the UK's leading banks. Four years ago the Conveyancing Quality Scheme was officially recognised by the Building Societies Association (BSA). CQS is not a scheme offered by the Council of Licensed Conveyancing. Haverfordwest is one of the many areas in England and Wales where there are CQS solicitors.
I have decided to exercise my right to buy my property in Haverfordwest off the council. I have a mortgage agreed with Kent Reliance. Conveyancing is not something I have any knowledge of. 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 Kent Reliance, you will need to appoint a solicitor on the Kent Reliance conveyancing panel.
Intending to buy a maisonette in Haverfordwest. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Nottingham conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Haverfordwest property lawyer is on the Nottingham conveyancing panel.
Having read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Haverfordwest solicitor - who is on the Bank of Ireland conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your property lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Haverfordwest postcode. As you are getting a mortgage with Bank of Ireland, you could contact them to see if they have a list of approved surveyors in Haverfordwest.
Will commercial conveyancing searches disclose impending roadworks that may affect a commercial estate in Haverfordwest?
Its becoming the norm that commercial conveyancing solicitors in Haverfordwest will conduct a SiteSolutions Highways report as it reduces the time that conveyancers spend in investigating accurate data on highways that impact buildings and development assets in Haverfordwest. The report provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Haverfordwest.
For every commercial conveyancing transaction in Haverfordwest it is crucial to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been dealt with adequately may result in delays to Haverfordwest commercial conveyancing transactions as well as present a risk to future intentions for the site. These searches are not conducted for domestic conveyancing in Haverfordwest.
I have recentlyfound out that Action Conveyancing have closed. They conducted my conveyancing in Haverfordwest for a purchase of a leasehold flat 10 months ago. How can I check that my home is in my name in the name of the previous owner?
The easiest method to see if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Haverfordwest conveyancing specialists.
Due to the guidance of my in-laws I had a survey completed on a property in Haverfordwest before appointing conveyancers. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some mortgage companies will refuse to grant a loan on a flying freehold home.
It varies from the lender to lender. Santander has different instructions from Nationwide. If you contact us we can investigate further with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Haverfordwest. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Haverfordwest to see if the conveyancing costs will increase in light of this.