We are a couple about to exchange contracts for a ground floor flat in Lampeter. We encountered a snag. Our mortgage offer with Platform Home Loans Ltd runs out on 6/11/2026 but the sellers are suggesting a completion date of 10/11/2026. Is it possible to prolong the loan offer?
The best person to deal with your question is your solicitors who will calculate whether he or she is better off negotiating with the lender, seller’s representatives, selling agents or indeed all parties based on what has happend in your conveyancing to date.
How do I find out if the solicitor handling my conveyancing in Lampeter is on the bank’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Yorkshire Building Society thus spending £187.00 plus VAT in additional legal costs.
Please do take advantage of the search tool on this web page. Please choose the mortgage company and type ‘Lampeter’ or your location and you will be presented with a number of lawyer located in Lampeter or by proximity to you.
The deeds to my property can not be found. The conveyancers who handled the conveyancing in Lampeter 4 years ago have long since closed. Will I be able to sell the house?
Gone are the days when you need to hold title official documentation to prove you own the land or property, as the Land Registry hold details of all registered land or property electronically.
Due to the encouragement of my in-laws I had a survey completed on a house in Lampeter prior to appointing lawyers. I have been told that there is a flying freehold overhang to the house. My surveyor has said that some lenders will refuse to issue a mortgage on this type of premises.
It varies from the lender to lender. Lloyds has different requirements from Nationwide. If you contact us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Lampeter. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Lampeter to see if the conveyancing costs will increase in light of this.
I'm converting the mortgage on my existing house to a buy to let loan with Clydesdale and I will use the ballance of the raised equity as a deposit on a second house. The neighborhood we are talking about is Lampeter. Will your solicitors be able to act for both sets of lenders and tie in the two deals?
Make use of our comparison tool on this site to be sure that the conveyancers are approved by both lenders. On the basis that they are your conveyancer will be able to simultaneously deal with the two conveyancing matters but you should have a chat with you conveyancer and specify your expectations and requirements.
I have noted on numerous consumer advice websites that when selecting a conveyancing firm they must be approved by your bank. I am a FTB but I have an AIP via Nat West Bank and I already have a family conveyancing lawyer in Lampeter lined up. Does Birmingham Midhshires insist on an approved lawyer to be selected? If so, where can I find that list for my conveyancing in Lampeter?
You need to choose a solicitor that is on the Birmingham Midhshires panel. Simply ring your chosen Lampeter conveyancing lawyer and ask if they are on the Birmingham Midhshires panel. If they are not on the panel you have numerous alternatives open to you here:
- Carry on with your chosen Lampeter conveyancing practitioner but Birmingham Midhshires will no doubt appoint a conveyancing practitioner on their conveyancing panel. This will result in additional charges together with potential frustration.
- Choose a fresh conveyancer to conduct the conveyancing, obviously checking they are on the Birmingham Midhshires conveyancing panel.
- Appeal to your property lawyer to seek to join the lender panel.