We were just about to sign contracts for a semi detached house in Cirencester. We have hit a stumbling block. The loan offer with Bank of Ireland runs out on 15/10/2025 but the vendors are insisting on a completion date of 17/10/2025. Is it possible to prolong the mortgage expiry date?

The person best placed to deal with your question is your conveyancer who is in a position to calculate whether he or she is corresponding with the bank, vendor’s lawyers, property agents or conceivably all parties given the circumstances your transaction as of today.

We have a mortgage agreed in principle with Kent Reliance. Cirencester conveyancing lawyers were appointed. What is the average time that one could expect to receive a mortgage offer from Kent Reliance?

There is no definitive answer here. Have Kent Reliance completed the valuation? Have you advised Kent Reliance as to your lawyers' details and checked that your lawyers are on the Kent Reliance conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

I have paid off my mortgage with Principality. I assume I don't need a Cirencester property lawyer on the Principality panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your Principality mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Principality mortgage from the register. Principality, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Principality has sent the Land Registry the discharge electronically, and
3. Principality has instructed the Land Registry to do so

Virgin Money have agreed my home loan in principle, my bid on a property in Cirencester has been agreed to, what are the next steps?

Your estate agent will want to be informed of your conveyancer's details (ensure that the solicitors are on the lender’s approved list). Call up Virgin Money or the financial adviser and finalise any appropriate paperwork. Virgin Money will sellect a valuer who will get in contact with the selling agent or owners to arrange a time for the valuation to happen. Once carried out (assuming no problems) it takes approximately ten days to get a mortgage offer. Virgin Money will issue the offer to you and your conveyancing practitioners. The transaction will then take it’s course according the nature and complexity of the conveyancing in Cirencester.

As co-executor for the estate of my aunt I am selling a house in Newport but I am based in Cirencester. My lawyer (who is 235 miles from merequires that I sign a stat dec prior to the transaction finalising. Could you suggest a conveyancing lawyer in Cirencester who can attest this legal document for me?

Technically speaking you are not likely to be required to have the documents attested by a conveyancing solicitor. Normally or notary public or qualified solicitor will suffice regardless of whether they are located in Cirencester

My wife and I purchased a leasehold house in Cirencester. Conveyancing and TSB mortgage are in place. I have received a letter from someone claiming to own the reversionary interest in the property. It included a demand for arrears of ground rent dating back to 1992. The conveyancing solicitor in Cirencester who acted for me is not around. Do I pay?

First make enquiries of HMLR to be sure that this person is in fact the registered owner of the freehold reversion. It is not necessary to instruct a Cirencester conveyancing practitioner to do this as it can be done on-line for a few pound. You should note that in any event, even if this is the rightful freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.

Cirencester Conveyancing for Leasehold Flats - Sample of Questions you should ask Prior to buying

If a Cirencester lease has less than 80 years it will impact the value of the property. Check with your mortgage company that they are willing to to proceed given the lease term. Leases with less than 80 years remaining means that you will probably require a lease extension at some point and you need to have some idea of what this would cost. Remember, in most cases you will need to own the premises for 24 months in order to be legally able to extend the lease. The prefered form of lease structure is a share of the freehold. In this arrangement the lessees benefit from being in charge if their destiny and notwithstanding that a managing agent is frequently employed if the building is larger than a house conversion, the managing agent acts for the leaseholders themselves. For most Cirencester leaseholds the outlay for major works are not incorporated into the maintenance charges, albeit that some managing agents in Cirencester ask leasehold owners to pay into a reserve fund and this is used to offset against major repairs or maintenance.

I have been searching for Cirencester conveyancing quotes online. Can I be sure that all the Cirencester law firms that are identified on your website are on the bank conveyancing panel?

The law firms on our directory have advised us that they are on the lender panel and agreed to advise us to take down their listing in the event of removal off of the lender panel. To date we have not been informed by either a lender or a member of the public that the data about a specific Cirencester conveyancing solicitor being on the lender conveyancing panel is incorrect.