We are about to sign contracts for a semi detached house in Machen. We have hit a stumbling block. The mortgage offer with Birmingham Midshires expires on 28/8/2026 but the vendors are suggesting a completion date of 2/9/2026. Can one extend the mortgage expiry date?
The best person to address this question is your lawyer who is in a position to calculate whether they corresponding with the mortgage broker, vendor’s conveyancers, property agents or conceivably all three given the circumstances your house move as of today.
Finally the sale completed on my house in Machen last April but our buyer keeps e-mailing daily to say their conveyancer is waiting to hear from mylawyer. What should have happened now that I have sold?
After completion of your disposal your lawyer should send the transfer documentation and all of the paperwork to the buyer’s lawyers. Where relevant, your solicitor must also confirm that the legal charge in favour of the lender has been redeemed to the buyers lawyers. There are no post completion procedures unique to conveyancing in Machen.
we are a couple who are buying a newly converted apartment in Machen with a mortgage from Platform Home Loans Ltd.We like our Machen conveyancing lawyer but Platform Home Loans Ltd says his firm is not on their approved list of member firms. We have to appoint a Platform Home Loans Ltd panel firm or keep our preferred solicitor and pay for a Platform Home Loans Ltd panel lawyer to act for them. We feel as though this is unjust; is there anything we can do?
No, not really. The home loan issued to you is subject to its terms and conditions, a common one being that solicitors will be on the Platform Home Loans Ltd approved list. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Platform Home Loans Ltd
Are there restrictive covenants that are commonly picked up as part of conveyancing in Machen?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Machen. 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…’
I opted to have a survey completed on a house in Machen ahead of appointing lawyers. I have been advised that there is a flying freehold aspect to the house. Our surveyor advised that some mortgage companies may not grant a loan on a flying freehold premises.
It depends who your proposed lender is. HSBC has different instructions for example to Nationwide. If you contact us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Machen. Conveyancing may be slightly more expensive based on your lender's requirements.
Am I best advised to use a Machen conveyancing practitioner who is local to the property I am hoping to buy? We have a good friend who can conduct the legal work however his firm is located 300kilometers drive away.
The primary upside of using a local Machen conveyancing practice is that you can drop in to sign paperwork, deliver your identification documents and pester them where appropriate. They will also have local insight which is a bonus. That being said it's more important to get someone that will pull out all the stops for you. If if people you trust used your friend and in the main were content that must outweigh using an unfamiliar Machen conveyancing lawyer just because they are based in the area.