We are a couple about to sign contracts for a garden flat in Oxfordshire. We have hit a stumbling block. Our mortgage offer with Yorkshire Building Society expires on 1/10/2026 but the owners are suggesting a completion date of 5/10/2026. Is it possible to extend the mortgage offer?
The best person to deal with your issue is your lawyer who is in a position to calculate whether they corresponding with the bank, vendor’s conveyancers, selling agents or possibly all three taking into account the history of your house move to date.
This question may be naive but I am new to the home moving as FTB of a two bedroom flat in Oxfordshire. Do I pick up the keys to the property on completion from my lawyer? If this is the case, I will appoint a High Street conveyancing solicitor in Oxfordshire?
On the day of completion you do not need to attend the conveyancers office in Oxfordshire. Your solicitors will arrange to send the purchase money to the vendor’s lawyers, and shortly after the monies have arrived, you should be invited to collect the keys from the property Agents and start moving into the property. Usually this occurs between 1 and 3pm.
We are getting the release of further funds on our mortgage from UBS as we intend to conduct alterations to our property in Oxfordshire. Are we obliged to select a high street Oxfordshire solicitor on the UBS conveyancing panel to deal with the legals?
UBS do not ordinarily require a member of their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the UBS conveyancing panel.
I have paid off my mortgage with UBS. I assume I don't need a Oxfordshire conveyancing practitioner on the UBS panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your UBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the UBS mortgage from the register. UBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where UBS has sent the Land Registry the discharge electronically, and
- UBS has instructed the Land Registry to do so
Are there restrictive covenants that are commonly picked up as part of conveyancing in Oxfordshire?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Oxfordshire. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I'm buying my first flat in Oxfordshire benefiting from help to buy. The developers refused to move on the amount so I negotiated £7000 of additionals instead. The estate agent advised me not inform my conveyancer about this deal as it will put at risk my mortgage with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer 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.
Are there any apps to assist me to identify a Oxfordshire law firm on the Halifax conveyancing panel? I drive a motor bike and am willing to travel upto 20kilometers to meet the solicitor.
You can use the facility on this website. Please choose the bank and your location and you will see a number of Oxfordshire conveyancing lawyers located nearest you. We have detailed some Oxfordshire conveyancing firms at the bottom of this page and you can call them to verify if they are on the Halifax panel
My step-father has suggested that I appoint his conveyancers in Oxfordshire. Should I use them?
Much as we are happy to recommend a Oxfordshire conveyancing lawyer the best way to select a conveyancing lawyer is to have feedback from friends or relatives who have used the conveyancer that you are are thinking of instructing.