We were just about to exchange contracts for a property in St Johns. We have hit a problem. Our mortgage offer with Birmingham Midshires runs out on 26/2/2026 but the vendors are putting forward a completion date of 2/3/2026. Is it possible to prolong the mortgage expiry date?
The person best placed to address this issue is your conveyancer who will hopefully determine whether they corresponding with the mortgage company, vendor’s conveyancers, estate agents or possibly all parties taking into account the circumstances your transaction as of today.
Will our solicitor be raising enquiries concerning flooding during the conveyancing in St Johns.
The risk of flooding is if increasing concern for conveyancers specialising in conveyancing in St Johns. Some people will purchase a property in St Johns, completely expectant that at some time, it may be flooded. However, aside from the physical damage, if a house is at risk of flooding, it may be difficult to get a mortgage, satisfactory building insurance, or sell the property. Steps can be carried out during the course of a property purchase to forewarn the buyer.
Lawyers are not qualified to impart advice on flood risk, but there are a number of checks that can be undertaken by the purchaser or by their conveyancers which can figure out the risks in St Johns. The conventional set of property information forms sent to a purchaser’s conveyancer (where the Conveyancing Protocol is adopted) includes a usual question of the seller to discover whether the premises has suffered from flooding. In the event that the residence has been flooded in past which is not revealed by the vendor, then a buyer may bring a claim for damages resulting from an inaccurate response. The buyer’s solicitors should also carry out an enviro search. This will reveal whether there is any known flood risk. If so, additional investigations will need to be initiated.
I used Stirling Law a few years ago for my conveyancing in St Johns. I now require my papers however the law firm has closed. What do I do?
Do contact the Solicitors Regulatory Authority (SRA) to help locate 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 St Johns 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.
What does commercial conveyancing in St Johns cover?
St Johns conveyancing for business premises covers a broad array of guidance, offered by regulated solicitors, relating to business premises. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.
Am I better off to appoint a St Johns conveyancing lawyer based in the location that I am hoping to buy? We have a good friend who can carry out the legal formalities however they are based 300miles drive away.
The primary upside of using a high street St Johns conveyancing practice is that you can drop in to sign paperwork, deliver your ID and apply pressure on them if necessary. They will also have local intelligence which is a plus. That being said nothing is more important than finding someone that will do a good and efficient job. If you know people who instructed your friend and the majority were content that must outweigh using an unknown St Johns conveyancing lawyer solely due to them being round the corner.
Should I stop my mortgage payments with HSBC as soon as a completion date for my sale in St Johns has been set?
You are best advised to maintain meeting any mortgage sums to HSBC pending the mortgage being paid off from the proceeds of sale as part of your St Johns conveyancing.