We were just about to exchange contracts for a ground floor flat in Deal. We have hit a snag. The mortgage offer with Godiva Mortgages Ltd expires on 8/1/2026 but the vendors are insisting on a completion date of 12/1/2026. Can one extend the mortgage offer?
The person best placed to address this concern is your solicitors who will hopefully assess if they corresponding with the mortgage company, owner’s solicitors, estate agents or conceivably all three taking into account the circumstances your house move as of today.
I have decided to exercise my right to buy my property in Deal off the council. I have a mortgage agreed with Yorkshire BS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Yorkshire BS, you will need to appoint a solicitor on the Yorkshire BS conveyancing panel.
Completion of my purchase has taken place for my property in Deal. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. Ordinarily 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, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I have finally had an offer on a maisonette in Deal accepted, but there is a chain. The owners have placed an offer on somewhere, however it’s not yet agreed to, and are looking at other flats booked. I have instructed a local conveyancing solicitor in Deal. What do I do now? When should I get the mortgage application with Aldermore started?
It is understandable to have anxieties where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is in the region of £1k, then valuation, Deal conveyancing search charges, etc). First, you must ensure that your solicitor is on the Aldermore conveyancing panel. As to the subsequent stages this very much depends on the circumstances of your transaction, motivation for the property and on the state of the market. During a hot market the majority of purchasers will apply for the mortgage with Aldermore and pay for the valuation and only if it comes back ok would they pay their property lawyer to move forward with searches.
Will commercial conveyancing searches disclose planned roadworks that may impact a commercial site in Deal?
Many commercial conveyancing solicitors in Deal will carry out a SiteSolutions Highways report as it reduces the time that conveyancers spend in sourcing accurate data on highways that impact buildings and development assets in Deal. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Deal.
For each commercial conveyancing transaction in Deal it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately could cause delays to Deal commercial conveyancing transactions as well as pose a risk to future plans for the site. These searches are not ordered for residential conveyancing in Deal.
I have recentlybecome aware that Stirling Law have been shut down. They carried out my conveyancing in Deal for a purchase of a freehold house 12 months ago. How can I be sure that my home is not still registered in the name of the former proprietor?
The easiest method to see if the premises is in your name, you can make 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 Deal conveyancing specialists.
I've recently found out that there is a flying freehold issue on a property I put an offer in last month in what should have been a simple, chain free conveyancing. Deal is the location of the property. Is there any advice you can give?
Flying freeholds in Deal are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Deal you must be sure that your lawyer goes through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Deal may ascertain 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 residence.
We are a couple of weeks into a residential purchase having been directed to solicitors by the local agent to carry out the conveyancing in Deal. I am not happy. Could you help me find new solicitors?
They would need to be really bad to suggest changing them. Has the mortgage been issued? In the event that it has you will need to inform them of the new contact details and ensure the loan are re-sent. Your new solicitor ideally needs to be on the lenders approved list to avoid supplemental fees and frustration. That should be your first question of the new lawyers. The find a solicitor tool should help you find a lender approved lawyer for your conveyancing in Deal