Much to our surprise we have been told by our mortgage adviser that my Whitnash solicitor is not on the mortgage company Solicitor panel. How can I check?
You need to contact your Whitnash lawyer directly. It is reasonable to expect your lawyer to notify you of the situation. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your bank.
We were just about to sign contracts for a garden flat in Whitnash. We encountered a snag. The loan offer with Birmingham Midshires expires on 16/6/2025 but the vendors are insisting on a completion date of 18/6/2025. Is it possible to extend the mortgage offer?
The best person to deal with your concern is your solicitors who is in a position to determine whether they corresponding with the mortgage company, seller’s solicitors, property agents or possibly all three based on what has happend in your transaction to date.
I own a freehold premises in Whitnash yet charged rent, why is this and what is this?
It is rare for properties in Whitnash and has limited impact for conveyancing in Whitnash but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back hundreds of years, but the Rent Charge Act 1977 barred the generation of fresh rentcharges from 1977 onwards.
Old rentcharges can now be extinguished by making a one off payment under the Act. Any rentcharges that are still in existence in 2037 is to be extinguished.
My brother-in-law has suggested I instruct a conveyancing solicitor in Whitnash. I I would like to check whether they are accepted on the The Mortgage Works approved list of lawyers. Can you or the lender confirm if they are on the panel?
The first thing to do is call the solicitor and ask them whether they can act for the lender. Alternatively you can call The Mortgage Works who may be able to assist.
Various online forums that I have come across warn that are the main cause of delay in Whitnash house deals. Is that correct?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not feature within the most frequent causes of delays during the legal transfer of property. Local searches are unlikely to be the root cause of holding up conveyancing in Whitnash.
We are in the process of acquiring a house in Whitnash. Conveyancing is not over but we would like have the amount we are are buying for private from the likes of Nestoria. Is this achievable and how?
HM Land Registry are legally obliged to specify price paid data on a register of the title for residential properties countrywide including properties in Whitnash. The Title Register is an open document, so the Land Registry would be breaking the law excluded certain properties such as your property in Whitnash.
You can make a request of HMLR to withhold the price paid entry however the response would be in the negative.