We are about to exchange contracts for a garden flat in Snodland. We have hit a snag. Our loan offer with Barclays Direct expires on 28/1/2026 but the vendors are putting forward a completion date of 30/1/2026. Can one prolong the loan offer?
The best person to address this concern is your conveyancer who should assess whether he or she is better off negotiating with the mortgage broker, seller’s solicitors, estate agents or possibly all parties based on the history of your transaction to date.
I am selling my house in Snodland. Does the lawyer need to be required to be on the HSBC conveyancing panel in order to deal with repayment of my mortgage?
Ordinarily, even if your lawyer is not on the HSBC conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their panel criteria fairly frequently at the moment.
The formalities of my purchase has taken place for my property in Snodland. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are resolved very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Planning on purchasing a maisonette in Snodland. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Barclays conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Snodland solicitor is on the Barclays conveyancing panel.
TSB have agreed my mortgage in principle, my bid on a property in Snodland has been accepted, what are the next steps?
Your property agent will want to know who your solicitors are (ensure that the conveyancing practitioners are on the lender’s panel). Contact TSB or your financial adviser and finalise any relevant documentation. TSB will sellect a valuer who will get in contact with the selling agent or owners to book an appointment. Once conducted (assuming no problems) it takes about a week for the mortgage offer to be issued. TSB will issue the offer to you and your conveyancers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Snodland.
My wife and I own a renovated Edwardian property in Snodland. Conveyancing solicitor represented me and Bank of Scotland. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold under the exact same property. Is it worth asking Bank of Scotland to clarify?
You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Snodland and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with the conveyancing solicitor who conducted the work.
I am buying a new build house in Snodland with a mortgage from Aldermore. The builders refused to reduce the amount so I negotiated £7000 of extras instead. The sale representative told me not disclose to my conveyancer about this extras as it could jeopardize my loan with the lender. Should I keep quiet?.
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.
I own a leasehold flat in Snodland. Conveyancing and Birmingham Midshires mortgage went though with no issue. I have received a letter from someone saying they have taken over the freehold. Attached was a ground rent demand for rent dating back to 1995. The conveyancing solicitor in Snodland who acted for me is not around. What should I do?
The first thing you should do is contact HMLR to make sure that the individual purporting to own the freehold is indeed the registered owner of the freehold reversion. It is not necessary to instruct a Snodland conveyancing lawyer to do this as it can be done on-line for less than a fiver. You should note that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Snodland Conveyancing for Leasehold Flats - Examples of Queries Prior to buying
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The majority of Snodland leasehold properties will incur a service bill for maintenance of the block invoiced on behalf of the freeholder. Where you acquire the flat you will have to meet this amount, usually quarterly throughout the year. This may differ from several hundred pounds to thousands of pounds for bigger purpose-built buildings. There will also be a rentcharge to be met yearly, this is usually not a significant figure, say about £25-£75 but you should to check as on occasion it can be many hundreds of pounds. This question is important as a) areas may result in problems for the block as the communal areas may begin to deteriorate where repairs remain unpaid b) if the leaseholders have an issue with the managing agents you will need to have all the details