We were just about to exchange contracts for a semi detached house in Enfield Lock. We have hit a stumbling block. The loan offer with Skipton Building Society runs out on 30/3/2026 but the vendors are insisting on a completion date of 1/4/2026. Can one extend the mortgage expiry date?
The person best placed to address this issue is your solicitors who will hopefully assess if he or she is better off negotiating with the mortgage broker, vendor’s solicitors, selling agents or possibly all three given the history of your house move as of today.
My property lawyer in Enfield Lock has never been on on the Santander Conveyancing Panel. Can I still retain my family solicitor even though they are excluded from the Santander approved list?
The limited options available to you here include:
- Complete the purchase with your preferred Enfield Lock solicitors but Santander will need to use a conveyancer on their panel. This will result in additional overall legal fees as well as result in delays.
- Get an alternative lawyer to act in the conveyancing, not forgetting to check they are on the Santander panel
My wife and I are at the point of looking at flats in Enfield Lock and I am about to put in an offer. Is it wise to have my property lawyer on ‘stand by’? I intend to finance via a mortgage with Kent Reliance.
It would be wise to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and forward their details on to the selling agent. As you are seeking a mortgage with Kent Reliance, make sure you remember to check that your lawyer is on the Kent Reliance conveyancing panel.
Completion of my remortgage has taken place for my property in Enfield Lock. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
Intending to buy a maisonette in Enfield Lock. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Bank of Ireland conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Enfield Lock property lawyer is on the Bank of Ireland conveyancing panel.
I am purchasing a new build house in Enfield Lock with a mortgage from Norwich and Peterborough Building Society. The sellers would not reduce the price so I negotiated 6k of extras instead. The sale representative told me not to tell my conveyancer about the side-deal as it may impact my mortgage with Norwich and Peterborough Building Society. Should I keep quiet?.
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.
After what seems like an age a loan agreement from a bank for the refinancing of my 2 bedroom maisonette is coming within the next few days. Are you able to recommend a low cost remortgage conveyancing solicitor in Enfield Lock ?
You have come to the wrong place to search for a cheap conveyancing in Enfield Lock. Our intention is to offer excellent value conveyancing but we do not advertise as being the cheapest. Do not be fooled by brokers offering £99 conveyancing in Enfield Lock.At best, in opting for cheap conveyancing, you will get what you pay for and at worst you will end up invoiced for extras and still not receive the service expected.