We are a couple about to exchange contracts for a property in Chorley and Eccleston. We encountered a stumbling block. Our mortgage offer with Barnsley Building Society runs out on 26/3/2026 but the owners are putting forward a completion date of 30/3/2026. Can one prolong the loan offer?
The best person to address this concern is your conveyancer who is in a position to determine whether he or she is better off negotiating with the mortgage company, owner’s lawyers, selling agents or conceivably all parties taking into account the history of your conveyancing to date.
Is there a list of RBS panel conveyancers in Chorley and Eccleston on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such directory service on the Council of Mortgage Lenders or Building Society Association sites. Very few banks make their panel listings available online. Where you are seeking to appoint a Chorley and Eccleston lawyer on the RBS please use our tool.
I have decided to exercise my right to buy my property in Chorley and Eccleston off the council. I have a mortgage agreed with Santander. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Santander, you will need to appoint a solicitor on the Santander conveyancing panel.
After months of negotiation I have agreed a price on an apartment in Chorley and Eccleston. My mortgage broker suggested a lawyer. I paid an upfront payment of £200. Shortly after, the property lawyer called me to say that they were not on the Nationwide conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Nationwide panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I used Wolstenholmes several years past for my conveyancing in Chorley and Eccleston. I now require my papers however the law firm is no longer operating. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to assist in tracking down 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 Chorley and Eccleston of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am looking for a leasehold apartment up to £245,000 and found one near me in Chorley and Eccleston I like with amenity areas and station in the vicinity, however it's only got 52 years on the lease. I can't really find anything else in Chorley and Eccleston for this price, so just wondered if I would be making a grave error purchasing a short lease?
Should you need a mortgage that many years will be a potential deal breaker. Discount the price by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for a minimum of 2 years you can ask them to commence the lease extension formalities and pass it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should consult your conveyancing lawyer about this.
We're new to the buying process - agreed a price, but the agent has warned us that the seller will only issue a contract if we appoint the agent's preferred solicitors as they want a ‘quick sale’. My instinct tells me that we should use a high street solicitor who is familiar with conveyancing in Chorley and Eccleston
We suspect that the owner is unaware of this request. Should the seller require ‘a quick sale', alienating a motivated purchaser is is going to put the whole deal at risk. Contact the sellers directly and make the point that (a)you are keen to buy (b)you are ready to go, with mortgage lined up © you are chain free (d) you wish to move quickly (e)but you are going to use your preferred Chorley and Eccleston conveyancing firm - rather thanthose that will provide their estate agent a referral fee or achieve conveyancing figures pre-set by HQ.