We were just about to exchange contracts for a garden flat in Hythe. We have hit a stumbling block. The mortgage offer with Nationwide Building Society expires on 30/10/2026 but the sellers are suggesting a completion date of 3/11/2026. Can one prolong the loan expiry date?
The best person to deal with your issue is your lawyer who should calculate if they should be discussing with the lender, seller’s lawyers, estate agents or conceivably all parties given the circumstances your conveyancing to date.
My home in Hythe is up for sale and I have a purchaser. Does my conveyancer have to be required to be on the Bank of Ireland conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Bank of Ireland conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently in recent years.
I am due to move property in September. Should my conveyancing solicitor update the removal company on the completion day. Incidentally, can you put forward a removal company in Hythe. Conveyancing lawyer was chosen prior to coming across this page.
On the afternoon of completion you will need to pick up the keys from the estate agent however this can only be done when the previous owners conveyancers confirm to the agent that the monies to complete are in and the keys can be passed over. After that you will need to inform the removal company that they can start moving you in. As a matter of policy we do not recommend a particular removal organisation but can help you find a residential property solicitor in Hythe or a legal practice that specialises in conveyancing in Hythe.
My wife and I are in the process of looking at apartments in Hythe and I am now considering a potential offer. Is it too early to have a solicitor in place? I will be getting a home loan with Santander.
You should start requesting conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the EA. As you are taking out a mortgage with Santander, make sure you remember to check that your lawyer is on the Santander conveyancing panel.
It is not clear whether my bank requires a lease extension. I have telephoned my Hythe bank branch on a couple of occasions and was told they are content with the situation and they would lend. My Hythe conveyancing solicitor - who is on the bank conveyancing panel- called and was told they will not lend in accordance with their specific requirements. Who do I believe?
Your conveyancer has to follow the CML Handbook Part 2 provisions for your bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
I am selling our house in Hythe and the buyers lawyers are claiming that there is a possibility that the property was built land that was not decontaminated. Any high street Hythe lawyer would know that there is no such problem. For the life of me I don't know why the purchasers used a national conveyancing outfit rather than a conveyancing solicitor in Hythe. We have lived in Hythe for many years we know of no issue. Should we contact our local Authority to get clarification that the buyers are looking for.
It sounds as though you may have a conveyancing firm already. What do they say? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)
My wife and I own a renovated Edwardian house in Hythe. Conveyancing practitioner represented me and Alliance & Leicester . I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?
You need to read 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Hythe and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with your conveyancing practitioner who carried out the work.
As co-executor for the estate of my uncle I am disposing of a residence in Swansea but reside in Hythe. My lawyer (who is 200 kilometers awayhas requested that I sign a stat dec prior to completion. Can you recommend a conveyancing practitioner in Hythe who can attest this legal document for me?
Technically speaking you should not be required to have the documents attested by a conveyancing solicitor. Normally any notary public or solicitor will do regardless of whether they are Hythe based