We are a couple about to sign contracts for a semi detached house in Oxfordshire. We encountered a stumbling block. Our loan offer with Norwich and Peterborough Building Society expires on 1/10/2026 but the owners are suggesting a completion date of 5/10/2026. Can one extend the mortgage offer?
The best person to deal with your concern is your lawyer who will hopefully assess whether he or she is better off negotiating with the mortgage broker, owner’s representatives, property agents or possibly all three given what has happend in your conveyancing as of today.
Forgive me if this question is silly but I am wet behind the ears as a 1st time buyer of a two bedroom flat in Oxfordshire. Do I collect the keys to the house on the completion date from my conveyancer? If this is the case, I will find a High Street conveyancing solicitor in Oxfordshire?
There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will transfer the completion advance to the vendor’s lawyers, and shortly after the monies have arrived, you should be called to collect the keys from the property Agents and start moving into the property. This tends to happen early afternoon.
We are getting a further advance on our mortgage from Coventry BS as we want to carry out renovations to our home in Oxfordshire. Are we obliged to appoint a nearby Oxfordshire solicitor on the Coventry BS conveyancing panel to deal with the legals?
Coventry BS would not normally instruct firms on their conveyancing panel to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Coventry BS conveyancing panel.
I have paid off my mortgage with HSBC. I assume I don't need a Oxfordshire property lawyer on the HSBC panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
Are there restrictive covenants that are commonly picked up as part of conveyancing in Oxfordshire?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Oxfordshire. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am buying a new build house in Oxfordshire with the aid of help to buy. The developers would not reduce the amount so I negotiated 6k of fixtures and fittings instead. The sale representative suggested that I not disclose to my solicitor about this side-deal as it may jeopardize my mortgage with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer 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.
How do I locate a Oxfordshire solicitor on the Yorkshire Building Society conveyancing panel? I am a keen cyclist and am prepared to travel upto 25kilometers to meet the solicitor.
Feel free to make use of the facility on this page. Please choose the lender and your location and you will see a number of Oxfordshire conveyancing lawyers located nearest you. We have detailed some Oxfordshire conveyancing firms towards the end of this page and you can ring them to verify whether they are on the Yorkshire Building Society panel
My partner has recommend that I appoint his conveyancing solicitors in Oxfordshire. Should I choose my own property lawyer?
No doubt the ideal way to select a conveyancing practitioner is to have feedback from friends or relatives who have actually experience in using the firm that you are considering.