I am expecting a offer of a home loan from Nat West. I intend to enlist the help of a Licensed Conveyancer in Charterhouse. Does the Nat West Conveyancing panel include Licensed Conveyancers?
The Nat West approved solicitor list is, like many other lenders, represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
We were just about to sign contracts for a semi detached house in Charterhouse. We have hit a problem. The mortgage offer with National Westminster Bank runs out on 15/4/2026 but the sellers are suggesting a completion date of 17/4/2026. Is it possible to prolong the mortgage offer?
The person best placed to deal with your concern is your lawyer who should determine whether they corresponding with the mortgage broker, owner’s representatives, property agents or possibly all three taking into account the history of your conveyancing as of today.
My aunt passed away last year and as sole heir and executor I was left the property in Charterhouse. The house had a small mortgage remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Barclays, pay off the mortgage. Is this allowed?
Where you plan to re-mortgage then Barclays will insist on your using a conveyancer on the Barclays conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Barclays conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Barclays mortgage is registered as a charge at the Land Registry.
Have purchased a a terraced house in Charterhouse , What is the estimated time for the Land Registry to record my title? My Charterhouse conveyancing solicitor has been very slow, so I want to check the registration is concluded.
There is nothing unique about conveyancing in Charterhouse registration formalities. Rather than based on location, timescales can differ according to who lodges the application, whether there are errors and whether the Land registry need to notify any other parties. As of today approximately 80% of such applications are completed within two weeks but occasionally there can be protracted delays. Historically registration is effected after the new owner is living at the premises therefore post completion formalities is not always an essential issue but where there is a degree of urgency associated with the registration then you or your solicitor can communicate with the Registry to express the reasoning for an expedited registration.
I decided to have a survey completed on a house in Charterhouse prior to appointing lawyers. I have been informed that there is a flying freehold aspect to the property. The surveyor advised that some banks may refuse to issue a mortgage on this type of house.
It depends who your proposed lender is. Lloyds has different requirements from Halifax. If you e-mail 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 accustomed to dealing with flying freeholds in Charterhouse. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Charterhouse to see if the conveyancing costs will increase in light of this.