We were just about to exchange contracts for a property in Clydach. We encountered a snag. The mortgage offer with Virgin Money runs out on 26/3/2026 but the vendors are putting forward a completion date of 30/3/2026. Can one extend the loan expiry date?
The person best placed to address this question is your solicitors who is in a position to determine if they better off negotiating with the mortgage company, vendor’s lawyers, selling agents or conceivably all three given what has gone on in your conveyancing as of today.
We are selling our flat in Clydach. Will the lawyer have to be on the Nottingham conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Nottingham conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their conditions fairly frequently currently.
We had instructed conveyancing lawyers located in Clydach on the Santander solicitor panel. They are now charging me an additional sum for the legal aspects of the Santander mortgage. Is this an additional conveyancing fee set by Santander?
Unfortunately, as long as it is in their Terms of Engagement or estimate then yes your solicitor may charge a fee for this. This fee is not dictated by Santander but by your Clydach conveyancing practitioner. Numerous firms on the Santander panel will levy ’dealing with mortgage’ fee but many firms include it on their overall fee.
Completion of my remortgage has taken place for my property in Clydach. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Team at head office. Ordinarily complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
Having digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Clydach solicitor - who is on the Lloyds conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Lloyds will need an independent valuation of the property. Your lawyer will not arrange this. Usually Lloyds will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Clydach surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
What can a local search reveal concerning the house we're buying in Clydach?
Clydach conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search organisations for instance Searchflow The local search plays an important part in many a Clydach conveyancing purchase; that is if you don’t want any nasty surprises after you move into your property. The search will reveal data on, amongst other things, details on planning applications relevant 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 areas.
I have recentlyfound out that Wolstenholmes have closed. They carried out my conveyancing in Clydach for a purchase of a leasehold apartment 10 months ago. How can I check that my home is in my name in the name of the previous owner?
The quickest method to see if the property is registered to you, 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 Clydach conveyancing specialists.
As co-executor for the estate of my grandmother I am disposing of a residence in Swansea but live in Clydach. My solicitor (approximately 300 kilometers from mehas requested that I sign a stat dec ahead of the transaction finalising. Could you suggest a conveyancing solicitor in Clydach who can attest and place their company stamp on the document?
strictly speaking you are not likely to be required to have the documents witnessed by a conveyancing solicitor. Ordinarily any notary public or qualified solicitor will suffice regardless of whether they are located in Clydach