We were just about to exchange contracts for a garden flat in Longfield. We have hit a snag. The mortgage offer with The Mortgage Works expires on 8/7/2024 but the vendors are suggesting a completion date of 10/7/2024. Can one extend the mortgage offer?

The best person to address this issue is your conveyancer who will assess whether he or she is corresponding with the lender, owner’s representatives, property agents or possibly all three given the history of your house move as of today.

When it comes to lenders such as Skipton, do Longfield solicitors incur an annual charge to be on the list of approved solicitors?

We are unaware of any bank fees to register on their list of approved firms, although some do levy an administration fee to deal with the processing of the conveyancing panel application.

Can I be sure that the Longfield conveyancing solicitor on the Virgin Money panel is any good?

When it comes to conveyancing in Longfield seeking recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor carrying out your conveyancing.

I have a mortgage with Principality for my property in Longfield. Conveyancing was finalised some time ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Principality?

You must advise Principality in advance of renting your property as this is likely to be a breach of Principality’s mortgage conditions. It may be that Principality will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Principality directly. You need not do this via a Principality conveyancing panel lawyer.

It has been 3 months following my purchase conveyancing in Longfield completed. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £170,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I'm buying a new build house in Longfield benefiting from help to buy. The developers would not reduce the price so I negotiated five thousand pounds worth of extras instead. The estate agent told me not to tell my lawyer about the side-deal as it could put at risk my mortgage 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.

It has taken forever and a day but a mortgage agreement from a bank for the remortgage of my 4 bedroom garden flat is coming imminently. Are you able to suggest a low cost remortgage conveyancing solicitor in Longfield ?

You have come to the wrong place to search for a cheap conveyancing solicitors in Longfield. We can offer you value for money conveyancing but we do not aim to work with the cheapest lawyers. Resist the temptation to appoint brokers offering £99 conveyancing in Longfield.At best, in going for cheap conveyancing, you will end up with what you pay for and at worst you will end up being stung for additional fee and still not receive the service required.