We were just about to sign contracts for a garden flat in Longridge. We encountered a problem. The mortgage offer with Alliance & Leicester runs out on 2/5/2025 but the owners are putting forward a completion date of 7/5/2025. Is it possible to prolong the mortgage expiry date?
The best person to deal with your question is your solicitors who should determine if they better off negotiating with the bank, vendor’s solicitors, estate agents or indeed all three based on what has gone on in your transaction as of today.
What can a local search tell me about the house we're buying in Longridge?
Longridge conveyancing often commences with the ordering local authority searches directly from your local Authority or through a personal search company for example PSG The local search is essential in every Longridge conveyancing purchase; as long as you don’t want any unpleasant surprises after you move into your property. The search should supply information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject areas.
Are there restrictive covenants that are commonly picked up during conveyancing in Longridge?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Longridge. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How straightforward is it to use the search tool to choose a conveyancing lawyer in Longridge on the panel for my bank?
Step one is to pick a lender such as National Westminster Bank, Bank of Scotland or Barclays Direct then type in your preferred area for example Longridge. Conveyancing organisations in Longridge and further afield will then be shown.
I am thinking of appointing a conveyancing solicitor in Longridge for my home move. Is it possible to see a solicitor's complaints history with the profession’s regulator?
You can review presented Solicitor Regulator Association (SRA) decisions resulting from inquisitions commenced on or after Jan 2008. Go to Check a solicitor's record. To find records about the period before 1 January 2008, or to check a firm's history, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, use +44 (0)121 329 6800. The SRA sometimes recorded telephone calls for training requirements.
I am in the process of purchasing my first home in Longridge. Conveyancing practitioner already instructed. The mortgage adviser pointed out that a survey is not necessary as the property was only constructed 22 years ago.
At the very least you should order a Home Buyer's Report. Given the premises is over ten years old the property will be without a warranty, so you would be well advised not to take a risk. Where a property of this age shows no signs of defects a Home Buyer's report may be enough. They will highlight any obvious problems and recommend additional investigation if appropriate. If there are any indications of material issues seek a full Building Survey from the beginning.