We are a couple about to sign contracts for a freehold house in Cringleford. We encountered a snag. The loan offer with Platform Home Loans Ltd expires on 17/2/2025 but the sellers are insisting on a completion date of 19/2/2025. Is it possible to prolong the mortgage expiry date?
The person best placed to deal with your question is your lawyer who is in a position to assess if they corresponding with the bank, seller’s solicitors, property agents or conceivably all parties taking into account the history of your transaction as of today.
Can your site be used to find a Conveyancing solicitor in Cringleford even where I’m not purchasing or selling a house, for instance if I intend to acquire a shop in Cringleford with a loan from Lloyds TSB Bank?
Our search tool is predominantly there to find domestic conveyancing solicitors in Cringleford but we have set out at the bottom of this page a few Cringleford commercial conveyancing firms. You should make contact with the company directly to establish if they can also act for Lloyds TSB Bank
Me and my partner are buying a apartment in Cringleford. It might be a silly question but how we can trust a solicitor? At some point we have to deposit funds into their account. What is the protection we have from them run away with our deposit?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
My wife and I are in the throws of looking at apartments in Cringleford and I am about to put in an offer. Is it sensible to have a conveyancer on ‘stand by’? I will be getting a home loan with Yorkshire BS.
It would be sensible to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the EA. Given that you are getting a mortgage with Yorkshire BS, make sure you remember to check that your lawyer is on the Yorkshire BS conveyancing panel.
I have today made my last payment due on my mortgage with RBS. I assume I don't need a Cringleford property lawyer on the RBS panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your RBS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the RBS mortgage from the register. RBS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where RBS has sent the Land Registry the discharge electronically, and
- RBS has instructed the Land Registry to do so
The deeds to our house can not be found. The lawyers who dealt with the conveyancing in Cringleford 10 years ago are no longer around. Will I be able to sell the house?
Assuming the title is registered the details of your ownership will be evidenced by HMLR under a Title Number. It is possible to carry out a search at the Land Registry, find your property and get up to date copies of the Registered Entries for a small fee. Where the property is Leasehold then the Land Registry will in most cases retain a file copy of the Registered Lease and again, a copy can be retrieved for £20 inclusive of VAT.
I am purchasing a new build house in Cringleford with the aid of help to buy. The builders would not reduce the amount so I negotiated 6k of fixtures and fittings instead. The sale representative advised me not to tell my conveyancer about this extras as it may affect my loan with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.