I was advised recently by my mortgage broker that my Norris Green solicitor is not on the bank Conveyancing panel. How can I be sure that this is correct?
The first thing you need to do is to contact your Norris Green conveyancer. It is reasonable to expect your lawyer to advise you of the situation. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your lender.
We were just about to sign contracts for a ground floor flat in Norris Green. We encountered a problem. The loan offer with Halifax runs out on 15/9/2025 but the sellers are putting forward a completion date of 17/9/2025. Can one prolong the mortgage offer?
The person best placed to deal with your question is your conveyancer who should assess if he or she is better off negotiating with the mortgage company, seller’s lawyers, estate agents or conceivably all three given the circumstances your house move as of today.
My solicitor has informed me that chancel insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Norris Green?
The right level of chancel indemnity insurance should be dictated by who who your lender is. It would differ for example between HSBC Bank and Skipton Building Society. Conveyancing practitioners as opposed to borrowers take out such insurances.
When it comes to mortgage companies such as Skipton, do Norris Green solicitors have to pay an annual charge to be on the list of approved solicitors?
We are unaware of any bank fees to register on their list of approved firms, although some do charge an administration fee to deal with the processing of the conveyancing panel submission.
Completion of my remortgage has taken place for my property in Norris Green. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Almost all lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
Over the last few months I have been searching for a ground for flat up to £195,000 and identified one round the corner in Norris Green I like with open areas and railway links nearby, however it only has 52 years on the lease. There is not much else in Norris Green in this price bracket, so just wondered if I would be making a grave error purchasing a lease with such few years left?
If you need a home loan the remaining unexpired lease term will likely be problematic. Discount the price by the anticipated lease extension will cost if not already taken into account. If the current owner has owned the premises for at least 2 years you could request that they commence the lease extension formalities and pass it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer about this.
Given that I will soon spend hundreds of thousands of pounds on a house in Norris Green I would like to talk to a conveyancer regarding thehouse move in advance of appointing the firm. Is this something that you can arrange?
We could not agree more - we would be pleased to talk to you we do not take any clients on without you first talking to the solicitor who will be conducting your conveyancing in Norris Green.There is no ‘factory style conveyancing’ - every client is unique individual, not a case reference. The practices that we put you in touch with believe that the figure you are provided with for your conveyancing in Norris Green should be the amount on the final invoice that you end up paying.
I need to appoint a conveyancing solicitor for residential conveyancing in Norris Green. I've chance upon a web site which seems to have the perfect solution If it is possible to get all this stuff completed via phone that would be ideal. Should I be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?