We were just about to sign contracts for a garden flat in Heath Hayes. We encountered a stumbling block. Our mortgage offer with Aldermore runs out on 31/3/2026 but the owners are insisting on a completion date of 2/4/2026. Is it possible to extend the mortgage expiry date?
The person best placed to deal with your concern is your conveyancer who is in a position to calculate if they should be discussing with the mortgage broker, seller’s representatives, selling agents or possibly all three given the history of your transaction to date.
What is the best way to check that the solicitor conducting my conveyancing in Heath Hayes is on the lender’sapproved panel? I am looking to avoid the situation of having one lawyer for me and one for Clydesdale thus paying £187.00 plus VAT in further legal invoice.
You should make the most of the search tool on this site. Pick the lender and type ‘Heath Hayes’ or your location and you will see a number of lawyer located in Heath Hayes or by proximity to you.
Forgive me if this question is silly but I am unseasoned as a first time purchaser of a two bedroom flat in Heath Hayes. Do I pick up the keys to the premises on completion from my solicitor? If this is the case, I will use a High Street conveyancing solicitor in Heath Hayes?
There is no need to visit the lawyers office on the day of completion. Your solicitors will electronically transfer the purchase money to the owner’s lawyers, and once they have received this, you will be able to receive the keys from the selling Agents and move into your new home. This tends to happen between 1 and 3pm.
I have today made my last payment due on my mortgage with Bank of Ireland. I assume I don't need a Heath Hayes solicitor on the Bank of Ireland panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Bank of Ireland 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 Bank of Ireland mortgage from the register. Bank of Ireland, 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 Bank of Ireland has sent the Land Registry the discharge electronically, and
- Bank of Ireland has instructed the Land Registry to do so
Barclays have agreed my home loan in principle, my offer on a apartment in Heath Hayes has been agreed to, what happens next?
Your estate agent will want to know who your solicitors are (ensure that the conveyancing practitioners are on the lender’s panel). Contact Barclays or the financial adviser and finish off any appropriate documentation. Barclays will appoint a valuer who will get in contact with the selling agent or owners to arrange an appointment. Once carried out (assuming no problems) it takes about a fortnight for the mortgage offer to be issued. Barclays will issue the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Heath Hayes.
I need some quick conveyancing in Heath Hayes as I am faced with a deadline to sign on the dotted line within one month. Fortunately I do not need a mortgage. Is it possible to escape the need for conveyancing searches to save money and time?
If.Given you are not getting a home loan you have the choice not to have searches conducted although no solicitor would recommend that you don't. With lots of history conveyancing in Heath Hayes the following are examples of issues that can arise and adversely affect market value: Enforcement Actions, Overdue Charges, Overdue Grants, Unadopted Roads,...
Are there restrictive covenants that are commonly picked up as part of conveyancing in Heath Hayes?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Heath Hayes. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’