We are a couple about to exchange contracts for a freehold house in Tedburn St Mary. We encountered a stumbling block. The mortgage offer with Halifax runs out on 29/12/2026 but the owners are suggesting a completion date of 31/12/2026. Can one extend the mortgage offer?
The best person to deal with your concern is your lawyer who should determine if they better off negotiating with the lender, vendor’s lawyers, estate agents or conceivably all three based on the history of your house move to date.
What does my ID and proof of funds have anything to do with my conveyancing in Tedburn St Mary? Is this really necessary?
Anti-terror and anti-money-laundering laws require solicitors and licensed conveyancers to check the identification documents of the person or body they are dealing with prior to agreeing to accepting their conveyancing business. The Client Care letter that you are required to sign will no doubt confirm this. Your lender will also require certain documents to be checked. Should you refuse to supply identification documents, your lawyer can not take you on as a client.
This question may be naive but I am unseasoned as FTB of a ground floor flat in Tedburn St Mary. Do I collect the keys to the premises on completion from my solicitor? If this is the case, I will find a local conveyancing solicitor in Tedburn St Mary?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the purchase money to the vendor’s solicitors, and shortly after the monies have arrived, you will be able to collect the keys from the selling Agents and start moving into the property. This tends to happen between 1 and 3pm.
After weeks of negotiation I have agreed a price on a house in Tedburn St Mary. My financial adviser recommended their conveyancers. I paid an on account payment of £175. A few days later, the property lawyer called me embarrassingly acknowledging that they were not on the Aldermore conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Aldermore panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
About to purchase apartment in Tedburn St Mary. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the RBS 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 Tedburn St Mary property lawyer is on the RBS conveyancing panel.
How easy is it to use the search app to select a conveyancing lawyer in Tedburn St Mary on the authorised to act for my mortgage?
First pick a lender such as HSBC Bank, The Mortgage Works or Aldermore then specify your location for instance Tedburn St Mary. Conveyancing practices in Tedburn St Mary and across England and Wales should be listed.
I need to appoint a conveyancing solicitor for some conveyancing in Tedburn St Mary. I happened to discover a site which appears to be the perfect solution If there is a chance to get all this stuff completed via web that would be ideal. Do I need to be wary? What should out be looking out for?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
I have today had an offer accepted on a leasehold flat in Tedburn St Mary and the broker that we are using recommended his lawyer. She quoted £800 plus VAT and disbursements. Does this sound reasonable?
Don't just go on 1 quote. You should seek like-for-like quotes for your conveyancing in Tedburn St Mary. Then choose one that you trust and crucially, is on the approved list of the bank that you are sourcing your mortgage from.