I am hoping to receive a offer of a home loan from Halifax. I intend to retain the legal services of a Licensed Conveyancer in Wrington. Does the Halifax Conveyancing panel exclude conveyancers regulated by the CLC?
The Halifax conveyancing panel is, like many other lenders, represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
We were just about to exchange contracts for a garden flat in Wrington. We encountered a stumbling block. The loan offer with HSBC Bank runs out on 27/2/2026 but the vendors are putting forward a completion date of 3/3/2026. Is it possible to prolong the mortgage offer?
The best person to deal with your issue is your solicitors who is in a position to assess whether they should be discussing with the mortgage broker, owner’s conveyancers, estate agents or possibly all three based on the history of your house move as of today.
It is 10 years ago since I bought my home in Wrington. Conveyancing solicitors have recently been appointed on the sale but I am unable to locate my deeds. Will this jeopardise the sale?
You need not be too concerned. Firstly there is a chance that the deeds will be kept by the mortgage company or they may be in the possession of the solicitor who acted in your purchase. Secondly in most cases the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Wrington relates to registered property but in the rare situation where your home is not registered it adds to the complexity but is not insurmountable.
Have completed on a a terraced house in Wrington , What is the estimated time for the Land Registry to register my ownership? My Wrington conveyancing solicitor has been very slow, so I want to be sure the registration is addressed.
As far as conveyancing in Wrington registration is no faster or slower than anywhere else in the country. Rather than based on location, timeframes can differ depending on the party submitting the application, whether it is in order and whether the Land registry communicate with any interested persons or bodies. Currently approximately 80% of submission are completed in less than three weeks but occasionally there can be protracted delays. Historically registration occurs once the buyer is living at the premises thus 'speed' is not usually an essential issue but where it is urgent that the the registration takes place urgently then you or your conveyancer must communicate with the Registry to express the reasoning for an expedited registration.
I decided to have a survey carried out on a property in Wrington prior to retaining lawyers. I have been informed that there is a flying freehold aspect to the property. My surveyor advised that some mortgage companies may refuse to grant a mortgage on a flying freehold home.
It depends who your proposed lender is. Santander has different instructions for example to Birmingham Midshires. If you call us we can check with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Wrington. Conveyancing may be slightly more expensive based on your lender's requirements.