We are a couple about to sign contracts for a freehold house in Cheshunt. We encountered a problem. The loan offer with Skipton Building Society runs out on 13/10/2025 but the vendors are suggesting a completion date of 15/10/2025. Can one extend the loan offer?
The person best placed to deal with your concern is your conveyancer who should calculate whether they better off negotiating with the lender, vendor’s lawyers, property agents or indeed all three based on the circumstances your house move to date.
How do I discover of the solicitor handling my conveyancing in Cheshunt is on the lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Virgin Money thus spending £187.00 plus VAT in additional conveyancing bill.
You should make use of the find a lender approved solicitor tool on this site. Pick the lender and type ‘Cheshunt’ or your location and you will discover numerous conveyancers based in Cheshunt or nearest you.
The deeds to my property can not be found. The conveyancers who handled the conveyancing in Cheshunt 10 years ago are no longer around. Will I be able to sell the house?
You no longer need to have the physical deeds to establish that you own the land or premises, given that the Land Registry hold details of all registered land or property electronically.
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a quick, chain free conveyancing. Cheshunt is where the house is located. Can you offer any advice?
Flying freeholds in Cheshunt are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Cheshunt you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cheshunt may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
I need to switch lawyers as my Cheshunt lawyer is not on the bank's approved list of conveyancing solicitors. Is it practical to instruct different lawyers?
In the event that you have not formally instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer in Cheshunt that you're thinking of instructing.