We were just about to sign contracts for a semi detached house in Bilborough. We have hit a snag. Our loan offer with Halifax runs out on 21/2/2025 but the sellers are insisting on a completion date of 25/2/2025. Can one extend the mortgage offer?

The best person to deal with your question is your lawyer who will hopefully assess whether they corresponding with the mortgage broker, owner’s conveyancers, selling agents or indeed all three based on what has happend in your transaction to date.

How does conveyancing in Bilborough differ for new build properties?

Most buyers of new build residence in Bilborough come to us having been asked by the seller to sign contracts and commit to the purchase even before the residence is completed. This is because new home sellers in Bilborough tend to buy the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Bilborough or who has acted in the same development.

Do I need to be suspicious by third parties that I am dealing with are recommending an internet conveyancing firm rather than a High Street Bilborough conveyancing practice?

As with many service providers, often input from relatives can be worth their weight in gold. But there are numerous people with a keen interest in a conveyancing matter; estate agents, mortgage brokers and mortgage companies might all suggest solicitors to retain. On occasion the conveyancers might be known to one of the organisations as being good in their field, but occasionally there exists a financial incentive behind the endorsement. You are free to select your preferred conveyancer. Don't forget that the majority of lenders specify a panel list of solicitors you are obliged to use for the mortgage aspect of your conveyancing.

We are 17 days into a residential purchase having been directed to solicitors by the local agent to perform conveyancing in Bilborough. I am am starting to be frustrated with the quality of service. Can you you assist me in finding new conveyancers?

They would have to be really bad to suggest diss instructing them. Has the mortgage been generated? If so you will need to make them aware of the new contact details and have the mortgage documents are issued to the new lawyers. Your new conveyancer should be on the mortgage company approved list to avoid escalating costs and complications. That should be your first question of the new solicitors. The search tool will help you find a bank approved lawyer for your home move in Bilborough

I’m about to sell my ground floor apartment in Bilborough.Conveyancing solicitors are to be appointed soon but I have recently had a yearly maintenance charge invoice – should I leave it to the buyer to sort out?

Your conveyancing lawyer is likely to suggest that you should discharge the invoice as normal given that all rents and service charges will be allottedas part of the financial calculations for completion monies, so you should recover the relevant percentage by the purchaser for the period running from after the completion date to the subsequent invoice date. Most management companies 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. This will smooth the conveyancing process