We were just about to sign contracts for a semi detached house in Sydenham. We have hit a problem. Our mortgage offer with Alliance & Leicester expires on 10/12/2025 but the owners are suggesting a completion date of 12/12/2025. Is it possible to extend the loan offer?
The person best placed to address this issue is your lawyer who will determine if they should be discussing with the bank, seller’s lawyers, estate agents or conceivably all parties based on the circumstances your house move to date.
We are expecting a mortgage offer soon. The bank mentioned the home loan came with free conveyancing. Does this mean I have to appoint their panel conveyancer as I would prefer to instruct a Sydenham based conveyancing firm?
You should check but the the probability is that give you one of their panel conveyancers where you take up the "fee-free" offer. Speak to the bank to see if they make available a cash alternative. It is not unheard for a lender to give a £250 cashback as a further option in which case that money can go towards the cost for your conveyancing solicitor near Sydenham.
I can see plenty of here concerning conveyancing in Sydenham but what is your top tip for choosing the right conveyancer in Sydenham
Do not opt for the lowest Sydenham conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
I am planning to move home in December. Should my conveyancing solicitor call the removal company on the day of completion. Incidentally, can you recommend a removal company in Sydenham. Conveyancing lawyer was found before I stumbled across this page.
On the day of completion you will need to pick up the house keys from the selling agent however this can only occur when the vendors conveyancers confirm to the agent that the monies to complete are in and the keys can be handed over. You will need to inform the removal men that you are ready to move in. We do not suggest a specific removal organisation but can help you choose a conveyancing in Sydenham or a solicitor that specialises in conveyancing in Sydenham.
I currently have a mortgage with Kent Reliance for my property in Sydenham. Conveyancing was finalised months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Kent Reliance?
Kent Reliance must be informed of your intention before letting out your property as this is likely to be a breach of Kent Reliance’s mortgage conditions. It may be that Kent Reliance will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Kent Reliance directly. You need not do this via a Kent Reliance conveyancing panel solicitor.
My wife and I have a renovated Edwardian house in Sydenham. Conveyancing lawyer represented me and Accord Mortgages Ltd. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: one for freehold, another for leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?
You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Sydenham and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with your conveyancing solicitor who conducted the purchase.
Should I be suspicious about estate agents that I am dealing with are recommending a national conveyancing firm rather than a High Street Sydenham conveyancing company?
As is the case with many professional services, often referrals from relatives can be very helpful. But there are lots of people with a keen interest in a conveyancing matter; estate agents, mortgage brokers and mortgage companies might all put forward conveyancers to instruct. Sometimes the lawyers might be known to one of the organisations as being good in their field, but sometimes there behind the scenes commercial relationship behind the endorsement. You have the right to choose your own lawyer. However, bear in mind that most mortgage providers specify a panel list of conveyancers you are obliged to use for the lender related work in your transaction.
My brother is purchasing a shared ownership flat in Sydenham. He has received an estimate by the lawyer connected to the estate agents totaling £1275 . It was fifteen years ago I sold and bought a home and the bill was £500. Have charges really increased to that extent?
What does the conveyancing estimate include? Is it just for the legal fees, or what you will be paying in total (for example Sydenham searches, land registry fees, etc)