We are a couple about to sign contracts for a freehold house in Haydock. We encountered a stumbling block. Our mortgage offer with The Mortgage Works runs out on 5/10/2026 but the vendors are insisting on a completion date of 7/10/2026. Can one extend the mortgage offer?
The person best placed to address this concern is your solicitors who should determine if he or she is should be discussing with the lender, owner’s solicitors, estate agents or possibly all parties taking into account the history of your conveyancing to date.
We note that you have a post code search directory identifying firms on the Nationwide conveyancing panel. Do companies pay you a commission if I instruct them for our own conveyancing in Haydock?
We are a listing service only for law firms wishing to communicate if they are on the Nationwide conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Haydock.
Are the BSA planning on creating a searchable register to to identify law firms on the Loughborough BS conveyancing panel for instance in Haydock?
We have not been informed any intention on the part of the BSA to develop such a search facility.
Will our solicitor be asking questions regarding flooding during the conveyancing in Haydock.
Flooding is a growing risk for conveyancers dealing with homes in Haydock. There are those who buy a house in Haydock, completely expectant that at some time, it may be flooded. However, leaving to one side the physical damage, if a property is at risk of flooding, it may be difficult to get a mortgage, satisfactory building insurance, or dispose of the property. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Conveyancers are not qualified to offer advice on flood risk, but there are a number of searches that can be undertaken by the purchaser or on a buyer’s behalf which should figure out the risks in Haydock. The standard property information forms supplied to a purchaser’s solicitor (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a usual inquiry of the seller to find out if the premises has suffered from flooding. In the event that the residence has been flooded in past and is not revealed by the seller, then a purchaser may issue a legal claim for losses stemming from an incorrect reply. A buyer’s lawyers may also order an enviro report. This will indicate whether there is a recorded flood risk. If so, more detailed inquiries should be initiated.
Despite weeks of looking the Title Certificate and documents to our house can not be found. The lawyers who conducted the conveyancing in Haydock 10 years ago have long since closed. What do I do?
As long as the title is registered the information relating to your ownership will be evidenced by the Land Registry with a Title Number. It is possible to execute a search at the Land Registry, locate your house and order up to date copies of the Registered Entries for less than a fiver. If the property is Leasehold then the Land Registry will usually hold a file duplicate of the Registered Lease and again, a copy can be obtained for £20 inclusive of VAT.
We're novice buyers - had an offer accepted, but the property agent informed us that the owners will only issue a contract if we instruct their preferred lawyers as they want an ‘expedited deal’. We would rather use a local solicitor used to conveyancing in Haydock
It is unlikely the vendors are driving this. If they require ‘a quick sale', turning down a motivated buyer is is going to put the whole deal at risk. Avoid the agents and go straight to the owners and make the point that (a)you are motivated purchasers (b)you are excited to move forward, with finances arranged © you are unencumbered (d) you wish to move quickly (e)but you intend to use your own,trusted Haydock conveyancing lawyers - rather thanthose that will give their negotiator at the agency a introducer fee or achieve conveyancing thresholds set by HQ.