We are a couple about to exchange contracts for a garden flat in Harlington. We encountered a stumbling block. The loan offer with HSBC Bank runs out on 6/10/2025 but the vendors are insisting on a completion date of 8/10/2025. Can one prolong the loan offer?
The person best placed to address this question is your conveyancer who will calculate whether they corresponding with the lender, owner’s representatives, estate agents or possibly all parties based on the circumstances your conveyancing to date.
What is your number one tip for finding a conveyancing solicitor in Harlington
Do not opt for the cheapest Harlington conveyancing costs illustration. You really do get what you’re paying for when it comes to property lawyers. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.
I have paid off my mortgage with Aldermore. I assume I don't need a Harlington conveyancer on the Aldermore panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Aldermore 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 Aldermore mortgage from the register. Aldermore, 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:
- but are not moving to another property
- where Aldermore has sent the Land Registry the discharge electronically, and
- Aldermore has instructed the Land Registry to do so
I had an offer accepted on an apartment in Harlington on 20/6/2025, valuation was booked 2 days after, all came back fine. Conveyancer instructed, so all that was missing was my mortgage offer. Having made daily calls to Santander and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Santander conveyancing panel. Are Santander entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.
four months have gone by since my purchase conveyancing in Harlington concluded. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £160,000. 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 property 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.
Over the last few months I have been searching for a leasehold apartment up to £305k and identified one close by in Harlington I like with open areas and transport links nearby, the downside is that it only has 51 years on the lease. There is not much else in Harlington for this price, so just wondered if I would be making a grave error acquiring a lease with such few years left?
Should you need a home loan the shortness of the lease will be problematic. Reduce the price by the amount the lease extension will cost if not already taken into account. If the current owner has owned the property for at least 2 years you can request that they commence the lease extension formalities and then assign it to you. You can add 90 years to the current lease and have £0 ground rent by law. You should speak to your conveyancing solicitor concerning this matter.
Am I better off to instruct a Harlington conveyancing solicitor in close proximity to the house I am hoping to buy? I have an old university friend who can handle the conveyancing but they are based a couple of hundredkilometers away.
The primary upside of using a high street Harlington conveyancing practice is that you can drop in to sign documents, deliver your identification documents and pester them where appropriate. They will also have local knowledge which is a plus. However nothing is more important than finding someone that will do a good and efficient job. If other friends have instructed your friend and on the whole were content that should surpass using an unknown Harlington conveyancing solicitor just because they are Harlington based.