We are about to exchange contracts for a ground floor flat in Newington. We encountered a snag. The loan offer with Santander runs out on 30/3/2026 but the vendors are putting forward a completion date of 1/4/2026. Is it possible to extend the loan expiry date?
The person best placed to address this concern is your lawyer who will assess if they should be discussing with the bank, seller’s conveyancers, property agents or conceivably all three based on the history of your house move to date.
How up to date is your search tool for Newington conveyancing solicitors on the Kent Reliance conveyancing panel? Do Kent Reliance send you an updated list?
Newington conveyancing firms themselves provide us confirmation that they are on the Kent Reliance conveyancing panel as opposed to being supplied with a list from Kent Reliance directly.
I am considering applying for a Lloyds mortgage for purchase of a new build (under development) in Newington with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Lloyds ?
There is nothing to stop you using your solicitor, but Lloyds will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
I used Stirling Law several years past for my conveyancing in Newington. I now require my file but the law firm has closed. What do I do?
You should call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Newington of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I'm purchasing a new build house in Newington benefiting from help to buy. The sellers refused to move on the price so I negotiated 6k of extras instead. The house builders rep told me not reveal to my solicitor about this side-deal as it would adversely affect my mortgage with the bank. Do I keep my lawyer in the dark?.
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.
The conveyancers carrying out our conveyancing in Newington has sent documents to review that indicate that the property is unregistered with epitome documents. Is it not the case that all property in Newington are registered?
Although most properties in Newington are now registered with HMLR there are still some that are unregistered. Any property in Newington that has been transferred since the late 1980’s will have been registered at the HMLR under the compulsory ‘first registration’ scheme. However, if a Newington property has not changed hands in that time then it’s likely the old fashioned title deeds will be the only evidence of ownership.Plenty of Newington conveyancing solicitors will be capable of dealing with such matters but if any uncertainty reigns the prevailing guidance presently seems to be for the seller to deal with the registration formalities first and thereafter sell - this can though naturally result in a significant delay.