We are a couple about to sign contracts for a semi detached house in Williton. We encountered a problem. Our loan offer with Alliance & Leicester expires on 11/12/2025 but the sellers are insisting on a completion date of 15/12/2025. Can one prolong the loan offer?

The person best placed to deal with your issue is your lawyer who is in a position to calculate whether they should be discussing with the mortgage broker, seller’s solicitors, property agents or indeed all parties taking into account the history of your house move as of today.

I am being advised by my solicitor that breach of easement insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Williton?

The right level of breach of easement indemnity insurance should be dictated by who your lender. It would differ for example between Accord Mortgages Ltd and Norwich and Peterborough Building Society. Conveyancing practitioners as opposed to borrowers take out such insurances.

We had appointed conveyancing lawyers located in Williton on the Virgin Money solicitor approved list. They are now charging me a further charge for handling the Virgin Money mortgage. Is this an additional conveyancing fee specified by Virgin Money?

As unfair as it may seem, as long as it’s in their Terms of Engagement or Quote then yes your lawyer may levy a fee for this. The fee is not set by Virgin Money but by your Williton solicitor. Plenty of firms on the Virgin Money panel will charge ’dealing with mortgage’ fee and others do not.

We have a mortgage agreed in principle with Skipton. Williton conveyancing lawyers are instructed. How long does it take for Skipton to forward the offer to the lawyer?

There is no definitive answer here. Have Skipton conducted the valuation? Have you advised Skipton as to your lawyers' details and checked that your lawyers are on the Skipton conveyancing panel? Sometimes it can take as long as six weeks for a mortgage offer to be issued.

I am purchasing a house and the conveyancer has mentioned Chancel Repair to which the house may be liable given it’s proximity to the area of such a church. She has mentioned insurance. Is this really necessary for conveyancing in Williton

Unless a prior purchase of the premises completed after 12 October 2013 you may take it that conveyancing practitioners handling conveyancing in Williton to continue to suggest a chancel search and or insurance against a claim.

In surfing the internet for the phrase conveyancing in Williton it reveals numerous property lawyerslocally. How do I determine which is the suitable solicitor for purchase transaction?

The ideal method of finding a suitable conveyancer is through a trusted testimonial, so seek the counsel of friends and family who have acquired a property in Williton or the local estate agent or financial adviser. Costs for conveyancing in Williton differ, so it's sensible to obtain at least three estimates from varying types of law firms. Dont forget to clarify that the fees are fixed.

I have just appointed agents to market my ground floor flat in Williton. Conveyancing has not commenced, but I have just received a half-yearly service charge demand – Do I pay up?

It best that you pay the maintenance contribution as you normally would given that all ground rent and maintenance payments should be apportioned as part of the financial calculations for completion monies, so you will be reimbursed by the purchaser for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

Leasehold Conveyancing in Williton - A selection of Queries before Purchasing

Many Williton leasehold flats will incur a service bill for maintenance of the building levied on behalf of the freeholder. Where you acquire the apartment you will have to pay this contribution, normally in instalments accross the year. This could be anything from several hundred pounds to thousands of pounds for large purpose-built buildings. In all likelihood there will be a ground rent for you to pay annual, this is usually not a significant figure, say approximately £50-£100 but you need to enquire as on occasion it can be many hundreds of pounds. You should want to find out as much as you can about the company managing the block as they will impact your use and enjoyment of the property. As the owner of a leasehold property you are often in the clutches of the managing agents both financially and when it comes to day to day issues like the tidiness of the communal areas. Don't be shy to ask other people if they are happy with their service. Finally, investigate as to the dates that you are obliged pay the service charge to the appropriate party and precisely what it includes. It is important to be aware whether redecorating or some other major work is due in the near future that will be shared amongst the leaseholders and may well materially impact the level of the maintenance fees or necessitate a one time payment.