We are about to sign contracts for a garden flat in Eccleshall. We have hit a problem. The mortgage offer with Bank of Ireland runs out on 7/1/2025 but the sellers are suggesting a completion date of 9/1/2025. Can one prolong the mortgage offer?
The person best placed to deal with your concern is your conveyancer who will hopefully determine whether he or she is corresponding with the mortgage company, seller’s lawyers, property agents or possibly all three based on the circumstances your house move as of today.
I am in the process of mortgaging my home in Eccleshall, does my lawyer have to be on the Lloyds Solicitor panel?
There is nothing to stop you using your solicitor, but Lloyds will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
I am assisting my mother sell her property in Eccleshall. Will the conveyancer commission an energy assessment or it is for the seller to see to?
After the demise of Home Information Packs, energy performance certificates was kept a required component of moving house. An energy assessment needs to be to hand before the property is advertised. It is not as aspect of the sale process that solicitors ordinarily organise. If you are using a Eccleshall conveyancing practitioner they may help arrange EPC’s given their contacts with long established Eccleshall assessors
I'm the single beneficiary of my late grandmother’s will with all property in now in my sole name, including the house in Eccleshall. The Eccleshall property was put into my name in October. I plan to dispose of the house. I understand that there is a CML six month 'rule', meaning my property ownership may be considered the same way as though I had purchased the property in October. Do I have to wait half a year to sell?
The Council of Mortgage Lenders’ handbook mandates conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be caught by that. many banks would take a sensible view as this clause chiefly exists to identify the purchase and immediately sell or the quick reselling of properties.
is it true that all Eccleshall solicitor practices on the Barclays conveyancing panel are overseen by the SRA?
As a firm of solicitors, in order to be on the Barclays approved list of solicitors they would need to be regulated by the Solicitors Regulatory Authority. The majority of mortgage companies do list licenced conveyancers on their panel in which case such firms would be regulated by the CLC.
I used Wolstenholmes several years past for my conveyancing in Eccleshall. I now require my file however cannot find the solicitor. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Eccleshall of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
My husband and I are novice buyers - agreed a price, yet the property agent told us that the seller will only move forward if we appoint their preferred lawyers as they are insisting on a ‘quick sale’. My instinct tells me that we should use a local conveyancer accustomed to conveyancing in Eccleshall
We suspect that the seller is unaware of this request. Should the vendor desire ‘a quick sale', turning down a genuine purchaser is going to damage their objectives. Avoid the agents and go straight to the owners and explain that (a)you are serious buyers (b)you are excited to move forward, with mortgage lined up © you are chain free (d) you intend to proceed fast (e)however you are going to use your preferred Eccleshall conveyancing lawyers - rather thanthe ones that will provide their estate agent a introducer fee or hit his conveyancing targets pre-set by HQ.