I am buying a maisonette in Baschurch. My lawyer has never been on on the mortgage company approved list. Can I still retain my Baschurch conveyancing solicitor notwithstanding that they are excluded from the mortgage company panel?
You must use a solicitor to complete the formalities when you need a loan to purchase your home. They will carry out all the necessary investigations on the property, make sure that you will be properly registered as the owner and ensure that all the required mortgage documentation is dealt with. One may instruct a Baschurch property lawyer of your choice. However, if the conveyancing practitioner selected is not on the bank solicitor panel additional fees will arise as separate legal representation will be need by the mortgage company. Lender panel applications may be submitted, so where your solicitor has not in the past sought membership they should take the opportunity to apply.
We are a couple about to sign contracts for a garden flat in Baschurch. We encountered a snag. Our mortgage offer with Leeds Building Society runs out on 26/1/2026 but the sellers are putting forward a completion date of 28/1/2026. Is it possible to extend the mortgage expiry date?
The best person to deal with your issue is your conveyancer who will hopefully determine whether they corresponding with the mortgage broker, vendor’s solicitors, property agents or conceivably all parties given the history of your conveyancing to date.
It is is a decade since I purchased my home in Baschurch. Conveyancing solicitors have just been retained on the sale but I am unable to find my deeds. Will this cause complications?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by your mortgage company or they may be archived with the solicitor who acted in the purchase. Secondly in all probability the title will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Baschurch relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is resolvable.
I decided to have a survey completed on a house in Baschurch prior to appointing solicitors. I have been advised that there is a flying freehold element to the house. Our surveyor advised that some mortgage companies tend not issue a loan on this type of house.
It depends who your proposed lender is. Bank of Scotland has different instructions for example to Nationwide. If you call us we can look into this further via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Baschurch. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Baschurch to see if the conveyancing costs will increase in light of this.
We are four weeks into a freehold purchase having been recommend to a firm by the local agent to handle our conveyancing in Baschurch. I am am very frustrated with the level of service. Could you help me find new lawyers?
They would have to be really bad in order to consider replacing them. Has your loan offer been generated? If so you need to make them aware of the new lawyer and ensure the mortgage documents are re-sent. Your solicitor ideally should be on the banks panel to avoid escalating expenses and frustration. That should be your starting point. The find a solicitor tool can assist you in finding a lender approved solicitor for your home move in Baschurch