I am expecting a offer of a home loan from Halifax. I would like to instruct a Licensed Conveyancer in Wiveliscombe. Does the Halifax Conveyancing panel allow for Licensed Conveyancers?
The Halifax conveyancing panel is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
We are a couple about to sign contracts for a freehold house in Wiveliscombe. We encountered a snag. The mortgage offer with Barclays runs out on 16/2/2026 but the sellers are suggesting a completion date of 18/2/2026. Is it possible to prolong the mortgage expiry date?
The person best placed to deal with your issue is your conveyancer who is in a position to determine whether he or she is corresponding with the bank, vendor’s lawyers, property agents or indeed all three taking into account what has gone on in your transaction to date.
We are getting the release of further funds on our mortgage from UBS as we want to conduct alterations to our house in Wiveliscombe. Do we need to appoint a local Wiveliscombe solicitor on the UBS conveyancing panel to deal with the paperwork?
UBS don't usually appoint firms on their approved list of lawyers 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 UBS conveyancing panel.
Completion of my purchase has taken place for my property in Wiveliscombe. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
It is unclear whether my mortgage offer requires a lease extension. I have called my Wiveliscombe building society branch on numerous occasions and was reassured it wasn't a problem and they would lend. My Wiveliscombe conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they refuse to lend in accordance with their published requirements. I simply don't know who is right.
The solicitor must follow the CML Handbook Part 2 conditions for your bank. 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 left on the lease.
I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to have this when acquiring a property in Wiveliscombe? or I am told that there is a law dating back centuries that means some homeowners residing in a parish church boundary may be liable to pay for maintenance to the chancel in proximity to the church. Is this relevant for conveyancing in Wiveliscombe?
Unless a previous acquisition of the house completed post 12 October 2013 you can assume that solicitors handling conveyancing in Wiveliscombe to remain encouraging a chancel search and or chancel repair liability insurance.
I used Stirling Law several years ago for my conveyancing in Wiveliscombe. I now require my papers however cannot find the solicitor. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Wiveliscombe of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am hoping to put an offer on a small detached house that appears to tick a lot of boxes, at a great figure which is making it more attractive. I have just found out that it's a leasehold rather than freehold. I would have thought that there are particular concerns purchasing a leasehold house in Wiveliscombe. Conveyancing advisers have are soon to be instructed. Will they explain the issues?
Most houses in Wiveliscombe are freehold rather than leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can assist with the conveyancing process. We note that you are buying in Wiveliscombe so you should seriously consider looking for a Wiveliscombe conveyancing practitioner and be sure that they are used to dealing with leasehold houses. First you will need to check the unexpired lease term. As a leaseholder you will not be entirely free to do whatever you want to the property. The lease comes with conditions for example requiring the landlord’spermission to conduct changes to the property. You may also be required to pay a service charge towards the upkeep of the estate where the house is located on an estate. Your conveyancer should report to you on the legal implications.
Wiveliscombe Conveyancing for Leasehold Flats - Examples of Questions you should ask before Purchasing
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The answer will be helpful as a) areas could cause problems for the building as the communal areas may start to deteriorate where services are not paid for b) if the leasehold owners have a dispute with the running of the building you will wish to have all the details For many Wiveliscombe leaseholds the cost for major works are not wrapped into the maintenance charges, although a few managing agents in Wiveliscombe require leaseholders to pay into a reserve fund created for the specific purpose of building a fund for major repairs or maintenance. You should be aware if it is less than 80 years it will impact the value of the property. Check with your bank that they are happy with the length of the lease. Leases with fewer than 80 years remaining means that you will most likely have to extend the lease sooner rather than later and you need to have some idea of what this would cost. For most Wiveliscombelease extensions you would be required to have owned the residence for two years before you are eligible to extend the lease.