We were just about to exchange contracts for a semi detached house in Maryland. We have hit a problem. The loan offer with Coventry Building Society expires on 24/3/2025 but the sellers are putting forward a completion date of 26/3/2025. Is it possible to extend the loan offer?
The person best placed to deal with your concern is your conveyancer who should assess if he or she is corresponding with the bank, owner’s solicitors, property agents or indeed all three taking into account what has happend in your house move as of today.
Can you point me to a directory of Bank of Ireland panel conveyancers in Maryland on the Council of Mortgage Lender’s Website?
No. There is no such tool on the CML or Building Society Association sites. Very few lenders make their panel listings available online. Where you are looking for a Maryland solicitor on the Bank of Ireland please use our tool.
Last month we had a mortgage agreed in principle with Aldermore. Maryland conveyancing solicitors are chosen. What is the average time that one could expect to receive a mortgage offer from Aldermore?
Some lenders take longer than others. Have Aldermore done the valuation? Have you informed Aldermore as to your lawyers' details and checked that your lawyers are on the Aldermore conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.
The formalities of my purchase has taken place for my property in Maryland. Conveyancing was of an acceptable standard but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. In most cases complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
Various online forums that I have frequented warn that are the main reason for obstruction in Maryland house deals. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the determinations of a review by MoveWithUs that conveyancing searches do not feature amongst the common causes of hindrances in the conveyancing process. Searches are unlikely to be the root cause of slowing down conveyancing in Maryland.
I have todaydiscovered that Action Conveyancing have closed. They carried out my conveyancing in Maryland for a purchase of a freehold house 9 months ago. How can I check that the property is registered correctly in the name of the former proprietor?
The easiest way to see if the property is registered to you, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Maryland conveyancing specialists.
My brother has recommend that I use his conveyancers in Maryland. Do I take his guidance?
There are no two ways about it it’s preferable to select a conveyancing solicitor is to have referrals from friends or family who have actually previously instructed the conveyancer you're contemplating using.
Due to sign contracts shortly on a garden flat in Maryland. Conveyancing lawyers assured me that they report fully within the next couple of days. Are there areas in the report that I should be focusing on?
Your report on title for your leasehold conveyancing in Maryland should include some of the following:
-
The landlord’s rights to access the premises. You should be made aware that your landlord has rights of access as well as be informed how much notice must be provided. Repair and maintenance of the premises Do you need to have carpet in the flat or are you allowed wood flooring? You should know whether the lease allows you to add or improve anything in the flat- you should be made aware as to whether any restrictions applies to all alterations or just structural alteration, and whether licences for alterations is mandated necessary Ground rent - how much and when you need to pay, and also know whether this is subject to change
I have attempted and failed to negotiate with my landlord for a lease extension without getting anywhere. Can the Leasehold Valuation Tribunal decide on such matters? Can you recommend a Maryland conveyancing firm to assist?
if there is a absentee landlord or where there is disagreement about the premium for a lease extension, under the relevant statutes it is possible to make an application to the Leasehold Valuation Tribunal to calculate the sum to be paid.
An example of a Lease Extension decision for a Maryland property is 151A Ham Park Road in May 2010. The matter came before the Tribunal by way of a vesting order made on 12 June 2009 Deputy District Judge Coonan in Bow County Court. The tribunal decided that the sum payable for the m to be paid for the lease extension was £21,445 This case affected 1 flat.