We were just about to exchange contracts for a semi detached house in Woldingham. We encountered a problem. Our loan offer with Barclays Direct runs out on 20/5/2025 but the owners are suggesting a completion date of 22/5/2025. Can one extend the mortgage offer?
The best person to address this question is your conveyancer who will hopefully assess if they better off negotiating with the mortgage company, owner’s conveyancers, selling agents or possibly all three given the circumstances your transaction to date.
I am purchasing a terraced house in Woldingham. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing in Woldingham you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Woldingham.
My wife and I are buying a property in Woldingham. I might seem paranoid but how we can trust a lawyer? At some point we have to put our life savings into their account. What protection do we have from them run away with our deposit?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I am assisting my step-mother sell her house in Woldingham. Will the conveyancer commission the EPC or should I organise this?
After the abolition of Home Information Packs, energy performance certificates was maintained a mandatory element of moving property. An energy assessment should be commissioned before the property is placed on the market. It is not a task that lawyers ordinarily arrange. If you are instructing a Woldingham conveyancing practitioner they might help arrange energy performance certificates given their contacts with reputable Woldingham providers
I currently have a mortgage with Nationwide for my property in Woldingham. Conveyancing has been completed months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Nationwide?
Nationwide must be informed of your intention prior to letting out your property as this is likely to be a breach of Nationwide’s mortgage conditions. It may be that Nationwide 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 Nationwide directly. You need not do this via a Nationwide conveyancing panel firm.
What will a local search inform me concerning the property my wife and I buying in Woldingham?
Woldingham conveyancing often commences with the applying for local authority searches directly from your local Authority or through a personal search company such as PSG The local search is essential in every Woldingham conveyancing purchase; as long as you wish to avoid any nasty surprises after you move into your property. The search should supply information on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject sections.
Are there any apps to help search for a Woldingham solicitor on the Alliance & Leicester conveyancing panel? I drive a motor bike and am happy to travel upto 10kilometers to meet the solicitor.
You can use the search on this website. Please select a bank and your location and you will see a number of Woldingham conveyancing lawyers based on proximity. We have listed some Woldingham conveyancing firms at the bottom of this page and you can ring them to see if they are on the Alliance & Leicester member panel
My friend mentioned that when selecting a conveyancing solicitors they need approved by your lender. It happens to be my first house move but I have an offer in principle via Virgin Money and I already have a high street conveyancing solicitor in Woldingham at the ready. Does HSBC require an approved solicitor to be selected? If so, where can I find that list for my conveyancing in Woldingham?
You need to instruct a solicitor that is on the HSBC panel. Simply call your chosen Woldingham conveyancing lawyer and ask if they are on the HSBC panel. If they are not approved you have numerous alternatives available to you here:
- Carry on with your existing Woldingham conveyancing practitioner but HSBC will undoubtedly appoint a solicitor on their approved panel. The net impact is additional charges together with likely delay.
- Get a new conveyancing practitioner to act in the purchase, making sure they are on the HSBC conveyancing panel.
- Appeal to your solicitor to attempt to join the bank panel.