We were just about to exchange contracts for a freehold house in Blythe Bridge. We have hit a snag. Our mortgage offer with Nationwide Building Society runs out on 31/3/2026 but the owners are insisting on a completion date of 2/4/2026. Can one prolong the loan offer?
The person best placed to address this issue is your solicitors who will hopefully assess if they better off negotiating with the mortgage broker, owner’s lawyers, selling agents or possibly all three taking into account the circumstances your conveyancing as of today.
We note that you have a post code search directory listing law firms on the HSBC conveyancing panel. Do companies pay you a commission if I retain them for our own conveyancing in Blythe Bridge?
We are a listing service only for law firms wishing to communicate if they are on the HSBC conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Blythe Bridge.
We have agreed to purchase a house in Blythe Bridge. A rare aspect is that the roof has a solar panel. Virgin Money have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Virgin Money your lawyer must check the conveyancing instructions contained in Part two of UK Finance Lenders’ Handbook for Virgin Money. The Council of Mortgage Lenders’ Handbook includes minimum provisions for solar panel roof-space leases, and conveyancers are required to report to Virgin Money where a lease does not comply with these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not restricted to Blythe Bridge.
Completion of my remortgage has taken place for my property in Blythe Bridge. Conveyancing was a necessary evil but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
Our sealed bid on a property in Blythe Bridge has been agreed to, the vendors do nevertheless have a connected purchase. The vendors have offered on somewhere, but it’s not yet agreed to, and are looking at other properties in the pipeline. I have instructed a high street conveyancing solicitor in Blythe Bridge. What do I do now? At what point should I apply for the mortgage with Skipton?
It is usual to have anxieties where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is approx £1k, then survey, Blythe Bridge conveyancing search costs, etc). First, you should ensure that your property lawyer is on the Skipton approved list. Regarding the subsequent phase this very much depends on the uniqueness of your case, attraction to the property and on the state of the market. In a hot market some home buyers would apply for a home loan with Skipton and arrange for the valuation and only if it was satisfactory would they request their lawyer to move forward with searches.
My colleague suggested that where I am buying in Blythe Bridge I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally included in the estimate for your Blythe Bridge conveyancing searches. It is a large document of about 40 pages, listing and setting out important information about Blythe Bridge around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with plans and statistics, Local Amenities and other useful data regarding Blythe Bridge.
I am looking for a ground for flat up to £305k and identified one close by in Blythe Bridge I like with a park and railway links in the vicinity, however it's only got 52 years unexpired on the lease. There is not much else in Blythe Bridge in this price bracket, so just wondered if I would be making a mistake acquiring a short lease?
If you require a home loan the remaining unexpired lease term will be an issue. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of twenty four months you can ask them to start the process of the extension and pass it to you. You can add 90 years to the existing lease and have £0 ground rent by law. You should consult your conveyancing lawyer concerning this.
I am looking for a conveyancing solicitor in Blythe Bridge for my sale. Is there any facility to check a solicitor's record with the profession’s regulator?
Anyone may review published Solicitor Regulator Association (SRA) determinations arising from inquisitions started on or after 1 January 2008. Visit Check a solicitor's record. For records about the period before 1 January 2008, or to check a solicitors record, ring 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The regulator sometimes recorded telephone calls for training reasons.