We are about to exchange contracts for a property in Wrexham. We have hit a snag. Our mortgage offer with Platform Home Loans Ltd expires on 17/1/2025 but the vendors are putting forward a completion date of 21/1/2025. Can one prolong the mortgage expiry date?
The best person to deal with your issue is your solicitors who will assess if they should be discussing with the bank, vendor’s conveyancers, estate agents or conceivably all parties taking into account the history of your house move as of today.
It is 10 years ago since I purchased my home in Wrexham. Conveyancing lawyers have just been instructed on the sale but I can't track down the deeds. Is this a major issue?
Don’t worry too much. First there is a chance that the deeds will be kept by the mortgage company or they may stored with the solicitor who acted in the purchase. Secondly the likelihood is that the title will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring current official copies of the land registers. Most conveyancing in Wrexham relates to registered property but in the unlikely event that your home is not registered it is more of a problem but is not insurmountable.
What will a local search inform me concerning the property we're purchasing in Wrexham?
Wrexham conveyancing often commences with the submitting local authority searches directly from your local Authority or via a personal search company for example PSG The local search is essential in every Wrexham conveyancing purchase; that is if you wish to avoid any nasty surprises after you move into your new home. The search should provide data 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 topic sections.
I have recentlyfound out that Stirling Law have closed. They conducted my conveyancing in Wrexham for a purchase of a freehold house 18 months ago. How can I be sure that my home is in my name in the name of the previous owner?
The easiest method to see if the premises is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Wrexham conveyancing specialists.
Yesterday I discovered that there is a flying freehold element on a house I have offered on last month in what was supposed to be a simple, chain free conveyancing. Wrexham is where the house is located. Is there any guidance you can impart?
Flying freeholds in Wrexham are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Wrexham you must be sure that your lawyer goes through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Wrexham may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
In searching the world wide web for the term conveyancing in Wrexham it reveals numerous conveyancersin the vicinity. How do I determine which is the right property lawyer for my move?
The preferential way of seeking the right conveyancer is via trusted referral, so enquire of colleagues and relatives who have bought a property in Wrexham or the reputable estate agent or mortgage broker. Charges for conveyancing in Wrexham differ, so it's sensible to secure a minimum of four estimates from varying types of solicitors. Make sure that you clarify that the fees are fixed.