We were just about to exchange contracts for a ground floor flat in Ombersley. We encountered a snag. The loan offer with Godiva Mortgages Ltd expires on 27/10/2025 but the sellers are suggesting a completion date of 29/10/2025. Can one extend the loan expiry date?
The best person to address this question is your solicitors who will calculate whether he or she is better off negotiating with the mortgage company, owner’s solicitors, selling agents or conceivably all three based on what has happend in your house move as of today.
Having sold my house in Ombersley last February yet the purchaser is whats apping every few hours to moan that her solicitor needs to hear from myconveyancer. What are the post completion sale legalities now that I have sold?
After completion of your house sale your solicitor should send the transfer documentation and all of the paperwork to the buyer’s lawyers. Depending on the transaction, your solicitor should also evidence that the home loan has been paid off to the purchasers solicitors. There is unlikely to be post completion requirements just for conveyancing in Ombersley.
Can you clarify what the consequences are if my solicitor is removed from the Nottingham Solicitor panel ahead of completing my conveyancing in Ombersley?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have to instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by a regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
This question may be naive but I am wet behind the ears as a first time purchaser of a garden flat in Ombersley. Do I collect the keys to the house on the completion date from my conveyancer? If so, I will instruct a High Street conveyancing solicitor in Ombersley?
On the day of completion you do not need to attend the conveyancers office in Ombersley. Your solicitors will electronically transfer the purchase money to the owner’s solicitors, and shortly after the monies have arrived, you will be invited to pick up the keys from the property Agents and start moving into the property. Usually this occurs between 1 and 3pm.
We previously appointed conveyancers with offices in Ombersley on the Santander solicitor approved list. They are now charging me a supplemental fee for the legal aspects of the Santander mortgage. Is this a supplemental conveyancing fee specified by Santander?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your solicitor can levy a fee for this. This fee is not set by Santander but by your Ombersley conveyancing practitioner. Plenty of firms on the Santander panel will levy an ‘acting for lender’ fee and others do not.
I am currently in the process of buying my council flat in Ombersley. I have a mortgage offer with Co-operative. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Co-operative, you will need to appoint a solicitor on the Co-operative conveyancing panel.
What tools are available to identify a Ombersley solicitor on the Birmingham Midshires conveyancing panel? I have a car and am happy to travel upto 25kilometers to meet the lawyer.
Feel free to make use of the search on this page. Please pick a lender and your location and you will see a number of Ombersley conveyancing lawyers locally. We have listed some Ombersley conveyancing firms towards the end of this page and you can telephone them to verify if they are on the Birmingham Midshires approved list
As co-executor for the estate of my grandfather I am disposing of a residence in Cardiff but reside in Ombersley. My lawyer (approximately 250 kilometers from meneeds me to sign a stat dec prior to the transaction finalising. Can you recommend a conveyancing solicitor in Ombersley to witness and place their company stamp on the document?
strictly speaking you are not likely to be required to have the documents witnessed by a conveyancing solicitor. Ordinarily any notary public or solicitor will be fine regardless of whether they are Ombersley based