We are about to exchange contracts for a semi detached house in Middlewich. We have hit a stumbling block. The loan offer with HSBC Bank runs out on 26/4/2021 but the sellers are putting forward a completion date of 28/4/2021. Is it possible to prolong the mortgage offer?
The best person to address this question is your lawyer who should calculate whether they better off negotiating with the mortgage company, owner’s lawyers, estate agents or conceivably all parties given what has happend in your house move to date.
My wife and I are buying a flat in Middlewich. I might seem paranoid but how we can trust a solicitor? At some point we will need to put our life savings into their account. What protection do we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
We previously selected solicitors locally in Middlewich on the RBS solicitor panel. They have just invoiced me a further sum for the legal aspects of the RBS mortgage. Is this an additional conveyancing fee set by RBS?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitor is entitled to charge a fee for this. The charge is not dictated by RBS but by your Middlewich conveyancer. Some firms on the RBS panel will levy an ‘acting for lender’ fee but many practices incorporate it on their overall fee.
I can not fathom if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Middlewich building society branch on a couple of occasions and was told they are content with the situation and they will lend. My Middlewich conveyancing solicitor - who is on the lender conveyancing panel- called and was told they refuse to lend in accordance with their published requirements. Who do I believe?
As long as the lawyer is on the mortgage company approved list, they must comply with the CML Handbook provisions for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.
Do commercial conveyancing searches reveal proposed roadworks that could affect a commercial land in Middlewich?
Many commercial conveyancing solicitors in Middlewich will carry out a SiteSolutions Highways report as it reduces the time that conveyancers invest in investigating accurate data on highways that impact buildings and development assets in Middlewich. The report sets out 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 Middlewich.
For each commercial conveyancing transaction in Middlewich it is crucial to investigate the adoption status of roads surrounding a site. Failure to identify developments where adoption procedures have not been addressed adequately can cause delays to Middlewich commercial conveyancing transactions as well as pose a risk to future plans for the site. These searches are not ordered for residential conveyancing in Middlewich.
The estate agent has sent us the confirmation of our purchase of a new build apartment in Middlewich. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Here is a sample of a few leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Middlewich
If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. Please supply evidence that the form of Lease proposed has been approved by the Land Registry. Please confirm the Lease plans are architect prepared. There must be mutual enforceability of lessee’s covenants.
I've recently found out that there is a flying freehold issue on a house I have offered on last month in what should have been a quick, no chain conveyancing. Middlewich is the location of the property. Can you offer any assistance?
Flying freeholds in Middlewich 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 Middlewich 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 Middlewich 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 property.
I need to instruct a conveyancing practitioner in Middlewich for my house move. Is there any facility to check a firm’s record with the profession’s regulator?
Members of the public may find presented Solicitor Regulator Association (SRA) determinations resulting from inquisitions commenced on or after 1 January 2008. Visit Check a solicitor's record. To find records Pre 2008, or to check a firm's record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, call +44 (0)121 329 6800. The SRA could monitor telephone calls for training reasons.