We were just about to exchange contracts for a semi detached house in Blackburn. We encountered a stumbling block. Our loan offer with expires on but the owners are putting forward a completion date of . Is it possible to extend the loan offer?

The person best placed to address this question is your lawyer who is in a position to determine whether they corresponding with the mortgage broker, vendor’s lawyers, property agents or possibly all three taking into account the circumstances your conveyancing to date.

I am purchasing a semi-detached house in Blackburn. How practical is it for me to do the conveyancing?

Leaving aside the complexities and merits of DIY conveyancing in Blackburn you will have to appoint a solicitor on your bank's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Blackburn.

I require fast conveyancing in Blackburn as I am faced with a deadline to complete in less than one month. Thankfully I do not require a mortgage. Can I avoid the conveyancing searches to save fees and time?

As you are not obtaining a mortgage you are at free not to have searches conducted although no law firm would advise that you don't. Drawing on our experience of conveyancing in Blackburn the following are instances of what can arise and adversely affect future mortgageability: Enforcement Notices, Outstanding Charges, Overdue Grants, Railway Schemes,...

three months have gone by following my purchase conveyancing in Blackburn concluded. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £170,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I am purchasing my first flat in Blackburn with a mortgage from . The builders refused to move on the amount so I negotiated £7000 of extras instead. The estate agent told me not disclose to my solicitor about this deal as it would adversely affect my mortgage with the bank. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder 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.