Much to our surprise we have been notified by our IFA that my Upney property lawyer is not on the mortgage company Solicitor panel. How can I check?
The best course of action for you to take is to contact your Upney lawyer directly. You lawyer should advise you of the situation. Where they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your lender.
We are about to sign contracts for a garden flat in Upney. We have hit a snag. The mortgage offer with Barnsley Building Society expires on 11/11/2025 but the vendors are insisting on a completion date of 13/11/2025. Is it possible to extend the mortgage offer?
The person best placed to deal with your question is your conveyancer who will hopefully determine if he or she is should be discussing with the bank, seller’s lawyers, selling agents or conceivably all three taking into account the circumstances your transaction as of today.
My partner and I are downsizing from our home in Upney and the buyers lawyers are claiming that there is a possibility that the property was constructed on contaminated land. Any high street Upney conveyancer would know this is not the case. For the life of me I don't know why the purchasers instructed an online conveyancing outfit rather than a conveyancing solicitor in Upney. Having lived in Upney for 4 years we know of no issue. Do we contact our local Authority to get confirmation need.
It would appear that you have a conveyancing firm currently acting for you. What do they say? You should check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
Me and my brother own a terraced Georgian property in Upney. Conveyancing lawyer represented me and Nottingham Building Society. I did a free Land Registry search last week and there are two entries: one for freehold, another for leasehold with the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Upney and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with your conveyancing lawyer who conducted the purchase.
I opted to have a survey carried out on a property in Upney ahead of instructing solicitors. I have been told that there is a flying freehold overhang to the house. The surveyor has said that some banks may refuse to issue a loan on such a house.
It depends who your proposed lender is. HSBC has different instructions from Halifax. If you contact us we can investigate further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Upney. Conveyancing may be slightly more expensive based on your lender's requirements.