We were just about to exchange contracts for a garden flat in County Durham. We have hit a stumbling block. The mortgage offer with Halifax expires on 16/12/2019 but the owners are putting forward a completion date of 18/12/2019. Is it possible to extend the loan offer?
The person best placed to deal with your issue is your solicitors who will hopefully determine whether he or she is should be discussing with the bank, owner’s conveyancers, selling agents or conceivably all three based on the circumstances your house move as of today.
I am assisting my aunt sell her flat in County Durham. Will the conveyancing solicitor order an EPC or should I organise this?
After the abolition of Home Information Packs, energy assessments remained a compulsory element of selling a property. An EPC needs to be commissioned in advance of the property being marketed. This is not something that conveyancers ordinarily arrange. If you are instructing a County Durham conveyancing lawyer they may be able to arrange EPC’s given their relationships with long established County Durham assessors
My uncle advised me that in buying a property in County Durham there could be a number of restrictions as to what one can do in terms of external alterations to a property. Is this right?
We are aware of a number of properties in County Durham which have some sort of restriction or requirement of consent to external variations. Part of the conveyancing in County Durham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I recently had an offer accepted on an apartment in County Durham. My mortgage broker suggested a conveyancing practitioner. I paid an on account payment of £200. A few days later, the conveyancer contacted me embarrassingly acknowledging that they were not on the Skipton 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 Skipton 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.
Are there restrictive covenants that are commonly identified as part of conveyancing in County Durham?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in County Durham. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Am I right to be wary by 3rd parties that I am dealing with are recommending a factory type conveyancing firm rather than a High Street County Durham conveyancing company?
As is the case with many professional services, often referrals from family and friends can be extremely useful or valuable. Yet there are numerous players in a conveyancing deal; estate agents, financial adviser and mortgage companies may suggest conveyancers to appoint. Sometimes these conveyancers might be known to one of the organisations as one of the best in their field, but sometimes there may be a commercial relationship behind the recommendation. You have the right to select your preferred lawyer. However, bear in mind that some banks specify a panel list of lawyers you are obliged to use for the mortgage related work in your transaction.
We're novice buyers - agreed a price, but the agent told us that the owners will only move forward if we instruct their recommended solicitors as they need an ‘expedited deal’. We would rather use a local solicitor who is accustomed to conveyancing in County Durham
It is improbable the vendors are behind this. Should the owner require ‘a quick sale', taking such a hostile approach to a serious buyer is is going to put the whole deal at risk. Try to communicate with the owners directly and make sure they understand (a)you are keen to buy (b)you are excited to move forward, with finances arranged © you are unencumbered (d) you wish to move quickly (e)but you intend to instruct your own,trusted County Durham conveyancing firm - as opposed tothose that will give the estate agent a introducer fee or hit his conveyancing thresholds pre-set by HQ.