We were just about to exchange contracts for a freehold house in Burgess Hill. We encountered a snag. Our loan offer with Yorkshire Building Society expires on 25/3/2026 but the owners are insisting on a completion date of 27/3/2026. Is it possible to prolong the loan expiry date?
The person best placed to deal with your concern is your solicitors who is in a position to calculate if he or she is corresponding with the mortgage company, seller’s conveyancers, property agents or conceivably all parties given what has happend in your conveyancing to date.
Can you help - my lawyer advises that missing deeds insurance is required on my purchase. What is the level of cover for Burgess Hill conveyancing?
The right level of missing deeds indemnity insurance depends on who your lender is. It would differ for example between Santander and Chelsea Building Society. Conveyancing practitioners as opposed to members of the public take out such policies.
We have agreed to purchase a house in Burgess Hill. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender HSBC be concerned?
Given that your lender is HSBC your lawyer must comply with the formal instructions contained in Part 2 of UK Finance Lenders’ Handbook for HSBC. The CML Handbook sets out minimum specifications for solar panel roof-space leases, and lawyers are required to report to HSBC where a lease does not comply with these specifications. The provisions relate to the installation of panels on properties in England and Wales and is not limited to Burgess Hill.
I've digested plenty of mortgage guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Burgess Hill solicitor - who is on the Clydesdale conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Clydesdale will need an independent valuation of the property. Your lawyer will not arrange this. Usually Clydesdale will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Burgess Hill surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
I used Stirling Law a few years past for my conveyancing in Burgess Hill. Now, I need the files however the law firm has closed. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to help locate 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 Burgess Hill of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Due to the encouragement of my in-laws I had a survey completed on a property in Burgess Hill prior to retaining lawyers. I have been advised that there is a flying freehold overhang to the property. Our surveyor advised that some mortgage companies will not issue a mortgage on this type of house.
It varies from the lender to lender. Lloyds has different instructions from Halifax. If you contact us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Burgess Hill. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Burgess Hill to see if the conveyancing costs will increase in light of this.
Do I need to be suspicious by estate agents that I am dealing with are encouraging me to use an online conveyancing firm as opposed to a local Burgess Hill conveyancing practice?
As is the case with lots of professional services, often recommendations from relatives can be extremely useful or valuable. Yet there are many parties with a keen interest in a conveyancing deal; estate agents, mortgage brokers and lenders might all recommend conveyancers to choose. On occasion the solicitors might be known to one of the organisations as one of the best in their field, but occasionally there exists a financial incentive behind the recommendation. You are at liberty to select your preferred conveyancer. However, bear in mind that some lenders specify a panel list of conveyancers you have to use for the mortgage related work in your home move.