We were just about to exchange contracts for a leasehold flat in Rumney. We have hit a snag. Our loan offer with Norwich and Peterborough Building Society runs out on 14/8/2026 but the vendors are suggesting a completion date of 18/8/2026. Is it possible to extend the mortgage offer?
The person best placed to address this issue is your conveyancer who will assess whether he or she is better off negotiating with the mortgage broker, owner’s representatives, estate agents or indeed all parties given the circumstances your house move to date.
I am planning to acquire a house and need a conveyancing solicitor in Rumney who is on the National Westminster Bank conveyancing. Could you point me in the right direction as regards a conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for National Westminster Bank in certain locations such as Rumney. We dont recommend any particular firm.
I happen to be the only recipient of my late father’s will with all property in now in my sole name, including the my former home in Rumney. Conveyancing formalities meant that the Land Registry date was in May. I plan to dispose of the house. I do know about the CML 6 month 'rule', which means that my property ownership may be treated the same way as though I had purchased the house in May. Is the property unsalable for six months?
The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be impacted by that. Some lenders would take a sensible view as this requirement primarily exists to capture the purchase and immediately sell or the wholesaling and assigning of property.
Is it the case that all Rumney conveyancing solicitors on the Bank of Ireland conveyancing panel are regulated by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Bank of Ireland approved list of solicitors they would need to be overseen by the Solicitors Regulatory Authority. Some banks do list licenced conveyancers on their panel and in that case the organisation would be governed by the Council of Licensed Conveyancers.
My offer was accepted on a house in Rumney on 6/5/2026, valuation was booked 2 days later, received a clean bill of health. Property lawyer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Skipton and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Skipton conveyancing panel. Are Skipton entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Skipton to deal with your lawyer's application to be on the Skipton conveyancing panel. There's no guarantee that your solicitor will be accepted.
I'm buying a new build house in Rumney benefiting from help to buy. The developers would not reduce the price so I negotiated five thousand pounds worth of additionals instead. The estate agent advised me not disclose to my solicitor about the extras as it would affect my loan with the bank. Is this normal?.
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.
Due to the encouragement of my in-laws I had a survey completed on a property in Rumney ahead of appointing lawyers. I have been advised that there is a flying freehold overhang to the property. My surveyor has said that some lenders tend not issue a mortgage on this type of property.
It depends who your proposed lender is. Santander has different instructions from Nationwide. If you contact us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Rumney. Conveyancing may be slightly more expensive based on your lender's requirements.
I need to appoint a conveyancing solicitor for sale conveyancing in Rumney. I happened to discover a site which seems to have the ideal offering If there is a chance to get all this stuff completed via web that would be preferable. Do I need to be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?