We are a couple about to exchange contracts for a semi detached house in Moulton. We have hit a snag. The mortgage offer with Bank of Ireland expires on 10/10/2025 but the owners are suggesting a completion date of 14/10/2025. Is it possible to extend the loan expiry date?
The person best placed to address this issue is your conveyancer who is in a position to calculate if they better off negotiating with the lender, vendor’s solicitors, selling agents or conceivably all parties given the history of your transaction to date.
I am looking to buy a house and need a conveyancing solicitor in Moulton who is on the Clydesdale approved. Can you recommend a local firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Clydesdale in certain locations such as Moulton. We dont recommend any particular firm.
We are planning to move house in September. Will my conveyancing solicitor communicate with the removal company on the completion day. As an aside, can you suggest a removal company in Moulton. Conveyancing firm was chosen prior to coming across your page.
On the afternoon of completion you can pick up the keys from your estate agent but this should only be done after the vendors conveyancers advise the agent that the monies to complete are in and the keys can be passed over. Subsequently you can advise the removal men that they can start moving you in. We are not in a position to recommend a specific removal organisation but can help you locate a residential property solicitor in Moulton or a lawyer that specialises in conveyancing in Moulton.
My lawyer has informed me that lack of planning permission insurance is necessary on my purchase. What is the level of cover for Moulton conveyancing?
The appropriate level of lack of planning permission indemnity insurance depends on your lender. It would differ for example between Nationwide Building Society and The Mortgage Works. Conveyancing solicitors as opposed to members of the public take out such insurances.
I'm spending time looking at houses in Moulton and I am now considering a potential offer. Is it best to have a lawyer on ‘stand by’? I am planning to take a mortgage with Co-operative.
It would be advisable to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the estate agent. Given that you are taking out a mortgage with Co-operative, make sure you remember to check that your lawyer is on the Co-operative conveyancing panel.
I am buying my first flat in Moulton with a loan from Bank of Scotland. The developers refused to reduce the price so I negotiated £7000 of fixtures and fittings instead. The sale representative told me not reveal to my lawyer about this extras as it could put at risk my loan with Bank of Scotland. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I opted to have a survey done on a house in Moulton in advance of instructing solicitors. I have been advised that there is a flying freehold aspect to the house. My surveyor has said that some lenders tend not grant a mortgage on such a premises.
It varies from the lender to lender. HSBC has different requirements from Birmingham Midshires. If you e-mail us we can check with 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 Moulton. Conveyancing may be slightly more expensive based on your lender's requirements.
Is it possible to switch solicitor as I have to find a firm on the Alliance & Leicester conveyancing list. I instructed a family conveyancing solicitor in Moulton five minutes from me but the firm is not accepted by Alliance & Leicester
It would be our pleasure to assist you find a conveyancing solicitor in Moulton on the Alliance & Leicester panel. Please note that the conveyancers that we work with do not pay us commission if you instruct them and are fully regulated by the SRA who oversee all conveyancing solicitors in Moulton. In making use of search facility on this site, you can scrutinise costs for conveyancing solicitors in Moulton and throughout England and Wales.