We were just about to sign contracts for a leasehold flat in Havering. We encountered a snag. The loan offer with Britannia runs out on 22/6/2026 but the vendors are putting forward a completion date of 24/6/2026. Can one prolong the loan offer?
The person best placed to deal with your question is your conveyancer who will assess if they should be discussing with the mortgage company, seller’s representatives, selling agents or indeed all three taking into account the circumstances your house move as of today.
We just had an offer accepted to purchase with Norwich and Peterborough Building Society. We have called around locally yet cant to find a Havering conveyancing firm on the Norwich and Peterborough Building Society panel. Please you assist?
Please do take advantage of the find a lender approved solicitor tool on this page. Please choose the building society and type Havering or your preferred area and you will discover numerous solicitors based in Havering or by proximity to you.
My bid for a property was accepted at auction in Havering. Conveyancing is necessary. What happens now?
Having exchanged you must choose a conveyancing practitioner quickly as you will have a fast approaching a fixed date to complete the transaction. Every auction property will ordinarily have an associated auction set of papers. This should include evidence of title and search results. In the case of leasehold property the legal pack may include a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork specific to a leasehold property. You should hand this to your appointed conveyancing solicitor ASAP. You also need to ensure that you have funds in order to complete on the date specified in the contract.
A relative informed me that in purchasing a property in Havering there may be a number of restrictions preventing external alterations to the property. Is this right?
We are aware of anumerous of properties in Havering which have some sort of restriction or requirement of consent to carry out external alterations. Part of the conveyancing in Havering should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Two weeks ago we had a mortgage agreed in principle with HSBC. Havering conveyancing lawyers were instructed. What is the average time that one could expect to receive a mortgage offer from HSBC?
Some lenders take longer than others. Have HSBC completed the valuation? Have you advised HSBC as to your lawyers' details and checked that your lawyers are on the HSBC conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
Do I need to pay for insurance to address the risk of chancel repairs when purchasing a residence in Havering?
Unless a previous purchase of the property took place after 12 October 2013 you may expect solicitors carrying out conveyancing in Havering to remain encouraging a chancel search and or chancel repair liability insurance.
My wife and I purchased a terraced Georgian property in Havering. Conveyancing practitioner represented me and Godiva Mortgages Ltd. I did a free Land Registry search last week and I saw two entries: one for freehold, another for leasehold with the matching address. Is it worth asking Godiva Mortgages Ltd to clarify?
You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Havering and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with your conveyancing practitioner who conducted the conveyancing.
My husband and I are novice buyers - agreed a price, but the property agent has warned us that the vendor will only issue a contract if we instruct the agent's recommended conveyancers as they need an ‘expedited deal’. My instinct tells me that we should use a high street solicitor with experience of conveyancing in Havering
It is unlikely the sellers are driving this. If they require ‘a quick sale', turning down a serious buyer is not the way to achieve this. Speak to the vendors direct and make the point that (a)you are serious buyers (b)you are ready to go, with finances in place © you do not need to sell (d) you wish to move quickly (e)but you will continue to instruct your own,trusted Havering conveyancing lawyers - not the ones that will provide their negotiator at the agency a commission or hit his conveyancing figures set by corporate headquarters.