We were just about to sign contracts for a freehold house in Longthorpe. We have hit a snag. The loan offer with National Westminster Bank expires on 18/6/2025 but the sellers are insisting on a completion date of 20/6/2025. Is it possible to prolong the loan expiry date?
The best person to deal with your question is your lawyer who is in a position to determine if they corresponding with the lender, owner’s lawyers, selling agents or indeed all three given what has happend in your house move to date.
It is 10 years ago since I purchased my home in Longthorpe. Conveyancing solicitors have recently been appointed on the sale but I can't track down the title deeds. Will this jeopardise the sale?
Don’t worry too much. Firstly there is a chance that the deeds will be with your mortgage company or they may still be with the lawyers who acted in the purchase. Secondly in most cases the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors procuring up to date copy of the land registers. Almost all conveyancing in Longthorpe involves registered property but in the unlikely event that your property is unregistered it is more problematic but is resolvable.
Me and my brother own a renovated Edwardian property in Longthorpe. Conveyancing solicitor acted for me and Godiva Mortgages Ltd. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, another for leasehold under the exact same address. Is it worth asking Godiva Mortgages Ltd to clarify?
You should assess the Freehold register you have again and check the Charges Register as there may be 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 Longthorpe and other areas of 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 lenders. You can also enquire as to the situation with the conveyancing solicitor who completed the work.
I was pointed in your direction by a few selling agents in Longthorpe to find a conveyancer on your site. Is there a financial advantage for Estate Agents to market your site over a competitor’s?
We refuse to make any referral fee for pointing buyers and sellers our way. We thought it would be too underhand a fee because home movers will think, ‘Why is the agent getting a kickback? Why aren’t I receiving any benefit too?’ So we decided to step away from that.
My husband and I are a couple of weeks into a leasehold purchase having been directed to a firm by the high street agent to handle our conveyancing in Longthorpe. I am am very dissatisfied with the quality of service. Could you help me find new solicitors?
A lawyer would need to be really poor to suggest replacing them. Has your mortgage been sent? If so you must advise them of the new contact details and ensure the loan are re-sent. Your conveyancer needs to be on the lenders panel to avoid added charges and frustration. That should be your first question of the new lawyers. Our search tool should assist you in finding a bank approved conveyancer for your conveyancing in Longthorpe
Do online conveyancing organisations cover everything a local Longthorpe solicitor does or must I retain a solicitor for the final stages for my conveyancing in Longthorpe?
Where you choose an online conveyancer they will cover all the work your Longthorpe conveyancer would cover.