We are about to exchange contracts for a garden flat in Chester. We encountered a problem. The loan offer with Godiva Mortgages Ltd expires on 15/4/2019 but the owners are suggesting a completion date of 17/4/2019. Can one extend the mortgage offer?
The person best placed to deal with your question is your conveyancer who will hopefully determine if he or she is corresponding with the lender, seller’s solicitors, selling agents or conceivably all parties taking into account what has happend in your conveyancing as of today.
Can you point me to a directory of Skipton panel solicitors in Chester on the UK Finance Lenders’ Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of banks make their panel listings available over the internet. If you are looking for a Chester conveyancing practitioner on the Skipton please use our facility.
I had a mortgage agreed in principle with Bank of Ireland. Chester conveyancing lawyers were chosen. How long does it take for Bank of Ireland to send the offer to the property lawyer?
Some lenders take longer than others. Have Bank of Ireland conducted the valuation? Have you informed Bank of Ireland as to your lawyers' details and checked that your lawyers are on the Bank of Ireland conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
After much negotiation I have agreed a price on a house in Chester. My mortgage broker pressured me to appoint their conveyancing practitioner. I paid an advanced payment of £150. Not long after, the solicitor contacted me sheepishly admitting that they were not on the Yorkshire BS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Yorkshire BS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
A colleague suggested that where I am buying in Chester I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Chester conveyancing searches. It is not a small report of more than thirty pages, listing and detailing important information about Chester around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Chester Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Chester Education with maps and statistics, Local Amenities and other useful information concerning Chester.
2 months have elapsed following my purchase conveyancing in Chester completed. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £215,000. 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 am selling my home. My previous lawyers has retired. I am in need of a recommendation of a conveyancing firm. I happen to live in Chester if that affects matters.
You should use our search tool to help you choose a solicitor for your conveyancing in Chester. We have connected thousands of home buyers and sellers with regulated solicitors to ensure that the legalities of their house move goes with a minimum of fuss.