We were just about to sign contracts for a freehold house in Hurst Green. We encountered a snag. The loan offer with Barclays expires on 21/1/2021 but the sellers are insisting on a completion date of 25/1/2021. Can one prolong the mortgage offer?
The person best placed to deal with your concern is your lawyer who will assess whether he or she is better off negotiating with the bank, seller’s conveyancers, estate agents or possibly all three given the history of your conveyancing as of today.
We are purchasing a 4 bedroom semi-detached house in Hurst Green. We would like to convert the garage to a playroom at the property.Will the conveyancing process include checks to determine if these alterations were previously refused?
Your conveyancer will review the registered title as conveyancing in Hurst Green can on occasion reveal restrictions in the title documents which prevent categories of alterations or require the consent of another owner. Many extensions require local authority planning consent and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these things with a surveyor ahead of any purchase.
When it comes to mortgage companies such as Skipton, do Hurst Green lawyers face an annual charge to be on the list of approved solicitors?
We are unaware of any lender fees to be on their list of approved firms, although some do levy an administration charge to deal with the processing of the conveyancing panel submission.
The formalities of my purchase has taken place for my property in Hurst Green. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
We are close to exchanging contracts on the sale of our home in Hurst Green and the buyers lawyers are claiming that there is a possibility that the property was built on contaminated land. Any high street Hurst Green lawyer would know that there is no such problem. It does beg the question why the buyers used a nationwide conveyancing outfit rather than a conveyancing solicitor in Hurst Green. Having lived in Hurst Green for 5 years we know of no issue. Should we get in touch with our local Authority to obtain confirmation need.
It sounds as though you may have a conveyancing lawyer already. What do they say? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same illness)
I am looking for a ground for flat up to £305k and found one close by in Hurst Green I like with amenity areas and railway links nearby, however it's only got 51 remaining years left on the lease. There is not much else in Hurst Green suitable, so just wondered if I would be making a mistake purchasing a lease with such few years left?
Should you need a mortgage the remaining unexpired lease term will be a potential deal breaker. Discount the price by the expected lease extension will cost if not already taken into account. If the existing owner has owned the premises for at least twenty four months you may ask them to start the process of the extension and pass it to you. You can add 90 years to the existing lease with a zero ground rent applied. You should speak to your conveyancing solicitor about this matter.
For various reasons I am not able to get to my Hurst Green conveyancing practitioners office to sign documents for conveyancing in Hurst Green – is this a problem?
No. Hurst Green conveyancing solicitors can undertake home moves for clients throughout the rest of the country. It is not necessary for you to be able to visit a Hurst Green conveyancers office. They can deal with all communications via phone, post and email - whatever works for you.