We were just about to exchange contracts for a ground floor flat in Histon. We encountered a snag. The loan offer with Nottingham Building Society expires on 25/9/2026 but the owners are putting forward a completion date of 29/9/2026. Is it possible to extend the mortgage offer?
The best person to address this question is your conveyancer who will determine whether they should be discussing with the bank, owner’s representatives, property agents or conceivably all parties taking into account what has gone on in your house move to date.
It is 10 years ago since I acquired my home in Histon. Conveyancing solicitors have recently been retained on the sale but I am unable to track down my title documents. Will this cause complications?
You need not be too concerned. Firstly there is a chance that the deeds will be retained by the mortgage company or they may be in the possession of the solicitor who oversaw the purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors procuring up to date copy of the land registers. Almost all conveyancing in Histon involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
We are expecting a mortgage offer soon. The bank mentioned the loan came with free conveyancing. Is the implication that I have to instruct their panel lawyer as I would much rather use a local conveyancing solicitor in Histon?
You should check but the the probability is that give you one of their panel solicitors where you accept the "fee-free" incentive. Speak to the bank to check if they make available a monetary alternative. In the past a few mortgage companies offered a £250 cashback as a further option in which case that money can go towards your preferred conveyancing solicitor in Histon.
I have justbecome aware that Action Conveyancing have been shut down. They carried out my conveyancing in Histon for a purchase of a freehold house 12 months ago. How can I establish that my home is not still registered in the name of the former proprietor?
The quickest way to see if the property 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 Histon conveyancing specialists.
I am purchasing a new build house in Histon benefiting from help to buy. The developers would not budge the amount so I negotiated five thousand pounds worth of additionals instead. The estate agent advised me not reveal to my solicitor about the deal as it could jeopardize my loan with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I am selling my house. My former lawyers have shut. It would be helpful to have a recommendation of a conveyancing firm. Im based in Histon if that affects matters.
Please use our search tool to help you choose a solicitor for your conveyancing in Histon. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move runs smoothly.