We are a couple about to exchange contracts for a semi detached house in Guiseley. We encountered a stumbling block. The loan offer with Accord Mortgages Ltd runs out on 18/3/2026 but the vendors are suggesting a completion date of 20/3/2026. Is it possible to extend the loan offer?
The person best placed to deal with your concern is your solicitors who should determine whether he or she is better off negotiating with the mortgage company, seller’s solicitors, property agents or indeed all parties based on the circumstances your house move to date.
We are getting a further advance on our mortgage from Kent Reliance as we intend to carry out alterations to our property in Guiseley. Do we need to choose a local Guiseley solicitor on the Kent Reliance conveyancing panel to deal with the paperwork?
Kent Reliance would not normally appoint firms on their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Kent Reliance panel.
I am expecting a AIP from Nottingham this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Nottingham recommend any Guiseley solicitors on the Nottingham conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Guiseley solicitors independently although you'll need to choose one on the Nottingham conveyancing panel. The solicitor represents both you and Nottingham through the process.
I currently have a mortgage with Santander for my property in Guiseley. Conveyancing has been completed months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Santander?
You must advise Santander prior to renting your property as this is likely to be a breach of Santander’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Santander directly. It should not be necessary to do this via a Santander conveyancing panel solicitor.
How does conveyancing in Guiseley differ for new build properties?
Most buyers of new build property in Guiseley come to us having been asked by the builder to exchange contracts and commit to the purchase even before the property is completed. This is because house builders in Guiseley tend to acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Guiseley or who has acted in the same development.
I'm refinancing my existing house to a BTL loan with Bank of Ireland and intend to use the remaining equity towards a second property. The location we are looking at is Guiseley. Will your lawyers be able to act for both sets of mortgage companies and tie in the two deals?
Make use of our comparison tool on this page to ensure that the lawyers are on the relevant lender panels. Assuming that they are the lawyer will be able to tie up the two transactions but you should have a chat with you conveyancer and make clear your expectations and requirements.
My husband and I are 14 days into a freehold purchase having been directed to a firm by the high street agent to handle our conveyancing in Guiseley. I am am starting to be frustrated with the quality of service. Could you help me find new lawyers?
They would need to be really poor in order to consider replacing them. Has your loan offer been issued? If so you must make them aware of the new contact details and have the offer are re-issued. Your new solicitor ideally should be on the lenders panel to avoid added costs and complications. So that should be your first question of the new solicitors. The find a solicitor tool will help you find a bank approved solicitor for your conveyancing in Guiseley