We are a couple about to sign contracts for a semi detached house in Bellingham. We have hit a problem. The mortgage offer with Godiva Mortgages Ltd expires on 29/1/2026 but the owners are putting forward a completion date of 2/2/2026. Can one extend the loan expiry date?
The person best placed to deal with your question is your solicitors who will calculate whether they should be discussing with the mortgage company, owner’s representatives, estate agents or indeed all parties taking into account what has gone on in your transaction as of today.
It is a dozen years since I bought my home in Bellingham. Conveyancing lawyers have now been appointed on the sale but I can't locate the title deeds. Will this jeopardise the sale?
Don’t worry too much. First there is a chance that the deeds will be kept by your lender or they may be in the possession of the solicitor who acted in the purchase. Secondly the chances are that the property will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors procuring up to date copy of the land registers. The vast majority of conveyancing in Bellingham involves registered property but in the rare situation where your property is not registered it is more of a problem but is resolvable.
Me and my partner are buying a flat in Bellingham. I might seem paranoid but how we can trust a conveyancer? On completion day we have to deposit money into their account. What protection do we have from them run away with our monies?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
Forgive me if this question is silly but I am new to the process as FTB of a two bedroom flat in Bellingham. Do I pick up the keys to the house on the completion date from my conveyancer? If so, I will instruct a High Street conveyancing solicitor in Bellingham?
There is no need to visit the lawyers office on the day of completion. Your solicitors will electronically transfer the purchase money to the seller's solicitors, and once they have received this, you will be able to pick up the keys from the property Agents and move into your new home. This tends to happen early afternoon.
My sealed bid on a detached house in Bellingham has been accepted, but there is a chain. The sellers have placed an offer on somewhere, but it’s not been accepted yet, and have viewings of other flats in the pipeline. I have chosen a nearby conveyancing solicitor in Bellingham. What do I do now? When do I get the mortgage application with Aldermore started?
It is usual to have concerns where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is in the region of one thousand pounds, then survey, Bellingham conveyancing search charges, etc). The first course of action is to check that your conveyancing practitioner is on the Aldermore conveyancing panel. Regarding the subsequent stages this very much dictated by the uniqueness of your case, attraction to the property and on the state of the market. During a rising market many home buyers would apply for a home loan with Aldermore and pay for the valuation and only if it was satisfactory would they request their conveyancing practitioner to press on with the conveyancing in Bellingham.
I'm purchasing a new build house in Bellingham benefiting from help to buy. The builders would not reduce the amount so I negotiated five thousand pounds worth of extras instead. The estate agent suggested that I not inform my lawyer about this extras as it would adversely 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.
What does commercial conveyancing in Bellingham cover?
Bellingham conveyancing for business premises covers a wide array of advice, given by qualified solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing leases or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of leases.