We are a couple about to sign contracts for a ground floor flat in Havering. We have hit a snag. Our mortgage offer with National Westminster Bank runs out on 22/12/2025 but the sellers are putting forward a completion date of 24/12/2025. Is it possible to extend the loan offer?
The best person to deal with your concern is your solicitors who is in a position to calculate whether he or she is better off negotiating with the lender, seller’s conveyancers, property agents or conceivably all parties taking into account what has gone on in your house move to date.
I have a decision in principle. The lender mentioned the home loan came with free conveyancing. Is the implication that I have to instruct their panel conveyancer as I would much rather use a Havering based conveyancing firm?
You should check but the chances are that appoint one of their panel lawyers where you want the "fee-free" offer. Contact the mortgage company to check if they make available a cash alternative. Some banks have previously offered a £250 cashback as an alternative in which case that money can go towards your preferred conveyancing solicitor near Havering.
I have todaydiscovered that Arc property Solicitors have been shut down. They carried out my conveyancing in Havering for a purchase of a leasehold flat 18 months ago. How can I check that the property is in my name in the name of the previous owner?
The easiest method to check if the premises is in your name, you can carry out 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 Havering conveyancing specialists.
Due to the input of my in-laws I had a survey completed on a house in Havering ahead of appointing solicitors. I have been informed that there is a flying freehold aspect to the house. The surveyor advised that some mortgage companies tend refuse to grant a mortgage on a flying freehold house.
It varies from the lender to lender. HSBC has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Havering. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Havering to see if the conveyancing will be more expensive.
How difficult is it to transfer to a new firm as I have to find one who is on the HSBC Bank conveyancing list. I hired a family conveyancing solicitor in Havering round the corner but she is not approved by HSBC Bank
It would be our pleasure to assist you select a conveyancing solicitor in Havering on the HSBC Bank panel. Please note that the solicitors that we work with do not pay us commission if you instruct them and are fully regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Havering. In utilising search facility on this website, you can compare and instruct different solicitors and conveyancers both nationally and in Havering.
My lawyers in Havering have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with the bank. Is it case that being on the lender conveyancing panel they need to have retained the file for a number of years?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the bank Conveyancing Panel Terms. It might be worth you contacting the mortgage company directly.