We are about to sign contracts for a ground floor flat in Hornsea. We have hit a snag. Our mortgage offer with Halifax expires on 20/12/2024 but the sellers are suggesting a completion date of 24/12/2024. Can one prolong the mortgage offer?
The best person to deal with your concern is your lawyer who will calculate if they better off negotiating with the bank, owner’s lawyers, selling agents or conceivably all parties taking into account the history of your conveyancing as of today.
My brother-in-law has suggested I instruct a conveyancing solicitor in Hornsea. I need to find out whether they are on the Halifax approved list of lawyers. Could you or the lender confirm if they are on the panel?
You should phone the conveyancer and enquire whether they are on the lender panel. Otherwise you can call Halifax who may be able to confirm.
Does a directory service exist listing Skipton panel conveyancers in Hornsea on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available on the web. Where you are looking for a Hornsea conveyancing practitioner on the Skipton please make the most of our tool.
We previously chose conveyancing lawyers with offices in Hornsea on the Nottingham solicitor approved list. They are now charging me a separate charge for handling the Nottingham mortgage. Is this an additional conveyancing fee specified by Nottingham?
As unfair as it may appear, as long as it’s in their Terms and Conditions or estimate then yes your lawyer can charge a fee for this. This charge is not set by Nottingham but by your Hornsea conveyancing practitioner. Numerous firms on the Nottingham panel will levy ’dealing with mortgage’ fee and others do not.
After months of negotiation I have agreed a price on an apartment in Hornsea. My financial adviser suggested a conveyancer. I paid an upfront payment of £200. A few days later, the solicitor called me to say that they were not on the TSB 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 TSB 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.
I've recently found out that there is a flying freehold element on a house I put an offer in a fortnight ago in what should have been a simple, no chain conveyancing. Hornsea is the location of the property. Is there any advice you can give?
Flying freeholds in Hornsea are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Hornsea you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Hornsea may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
I am thinking of appointing a conveyancing lawyer in Hornsea for my home move. Is there any facility to see a solicitor's complaints history with the legal regulator?
Members of the public may review presented Solicitor Regulator Association (SRA) determinations resulting from investigations from 2008 onwards. Go to Check a solicitor's record. To find information about the period before 1 January 2008, or to check a firm's history, ring 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, use +44 (0)121 329 6800. The regulator sometimes recorded call for training reasons.