We are a couple about to sign contracts for a ground floor flat in Herefordshire. We encountered a snag. Our mortgage offer with Chelsea Building Society runs out on 2/6/2026 but the vendors are putting forward a completion date of 4/6/2026. Is it possible to extend the loan offer?
The person best placed to deal with your question is your lawyer who is in a position to calculate if he or she is should be discussing with the bank, vendor’s lawyers, estate agents or conceivably all parties given what has happend in your conveyancing as of today.
My bid for a property was accepted at auction in Herefordshire. Conveyancing is necessary. What happens now?
Given that you are now exchanged you will need to find a conveyancing solicitor as a matter of urgency as you now have a fast approaching a fixed date to complete the conveyancing. All auction property should have a bespoke legal pack. This will likely include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold premises the conveyancing papers should contain a copy of the lease, management information and a sellers leasehold information form and other conveyancing paperwork pertinent to a leasehold property. You need to hand this to your appointed conveyancing solicitor as soon as possible. You also need to ensure that that you have the requisite funding in place to complete the transaction on the set completion date.
Forgive me if this question is silly but I am new to the home buying as a 1st time buyer of a ground floor flat in Herefordshire. Do I pick up the keys to the premises on the completion date from my lawyer? If so, I will find a local conveyancing solicitor in Herefordshire?
On the day of completion you will not be required to go to the conveyancers office in Herefordshire. Your solicitors will transfer the purchase money to the seller's lawyers, and shortly after the monies have arrived, you will be invited to receive the keys from the property Agents and start moving into the property. Usually this occurs early afternoon.
About to purchase flat in Herefordshire. 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 Clydesdale 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 Herefordshire property lawyer is on the Clydesdale conveyancing panel.
I need some expedited conveyancing in Herefordshire as I am under a deadline to sign on the dotted line in less than one month. Thankfully I do not need a mortgage. Can I avoid the conveyancing searches to save money and time?
If.Given you are not obtaining a mortgage you have the choice not to do searches although no law firm would suggest that you don't. Drawing on years of experience of conveyancing in Herefordshire the following are examples of issues that can arise and adversely impact future saleability: Enforcement Notices, Overdue Fees, Overdue Grants, Unadopted Roads,...
My wife and I own a terraced Edwardian house in Herefordshire. Conveyancing lawyer acted for me and Clydesdale. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, the second leasehold with the matching address. Is it worth asking Clydesdale to clarify?
You should review 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 Herefordshire and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with the conveyancing practitioner who conducted the work.
I opted to have a survey carried out on a house in Herefordshire in advance of appointing solicitors. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some mortgage companies may not issue a loan on such a premises.
It depends who your proposed lender is. Lloyds has different requirements from Halifax. If you call us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Herefordshire. Conveyancing may be slightly more expensive based on your lender's requirements.
How does one remove a deceased person's details from the title deeds for a property in Herefordshire?
If a Herefordshire property is jointly owned and one of the proprietors passes away, the name will not immediately be removed from the title deeds. You are not required to remove their name as when it comes to a disposal your conveyancer would just be required to supply proof why the other owner is missing from the transfer, normally this is in the form of the probate documents.
With a view to making things smoother for the sale of the property you may apply to have the deceased party removed from the title by applying to the land registry with evidence of the death. There is no land registry fee payable.