Mortgage Offer Terms and Conditions: Deadline Support for Homebuyers
Mortgage Offer: Why Time Matters
Navigating the property market can be daunting, especially when your mortgage offer is nearing expiry. We understand the urgency and pressure of securing your dream home in time, that’s why we've introduced our Mortgage Offer Expiry Deadline Promotion, a clear, client-first response designed to offer reassurance when it matters most.
Whether you’re a first-time buyer or further along the property ladder, our aim is simple; to support you with transparent legal guidance and minimise unnecessary financial stress during the conveyancing process.
What is a mortgage offer?
A mortgage offer is a formal document from your lender outlining the terms under which they agree to provide a loan. It’s a key milestone in your homebuying journey, usually valid for a fixed period, often around 3 to 6 months. Once accepted, your offer includes vital information such as:
- Early repayment charges
- Fees and penalties for late payments
- Conditions around insurance and property maintenance
Understanding these terms, and ensuring you meet your lender’s deadlines, is essential. That’s where our conveyancing support plays a vital role.
Mortgage terms set out your financial obligations for the length of your loan. These include:
- Early repayment charges
- Fees and penalties for late payments
- Conditions around insurance and property maintenance
Understanding these terms, and ensuring you meet your lender’s deadlines, is essential. That’s where our conveyancing support plays a vital role.
Our Mortgage Offer Expiry Deadline Promotion
Buying a property with a mortgage involves many moving parts. This offer applies only to residential property purchases where a mortgage is being used, and where:
- We have received written instruction to act at least 21 days before the expiry of your mortgage offer
- The transaction is for personal residential purposes only, not for trade, business, or professional investment
We believe in standing by our clients and taking responsibility where it’s due.
Some essential fees are not part of this promotion. These third-party or administrative costs must still be paid in line with our usual conveyancing terms:
- ID Verification Checks
- Conveyancing Searches
- Official Copies of Title Deeds
- SDLT (Stamp Duty Land Tax) Admin Fee
- Same-Day Bank Transfer Fees (CHAPS)
- Land Registry Fees and Searches
- Chancel Indemnity
- Digital document signing costs
If you’ve already paid or part-paid our legal fees and your transaction becomes eligible under this promotion, we’ll offer a refund in line with the terms of the offer.
We are committed to providing a fair and transparent service, throughout the entire process of the purchase.
While we always aim to act in your best interests, there are some circumstances where the mortgage expiry promotion does not apply, including:
- Incomplete finances on the client’s side
- Delayed search results, where the lender insists on full search returns rather than indemnity insurance
Additionally, if you’ve instructed us on multiple property purchases, the offer will only apply to the transaction with the lowest purchase price.
We will transparently inform you if your situation falls outside the terms of the offer and will explain the reasons why. Our decision on eligibility is final, ensuring consistency for all clients.
Ongoing Support: Regardless of Mortgage Changes
It’s important to note that our role does not end if your mortgage offer expires. We will continue to act for you until your purchase is complete, offering expert advice and legal support throughout, even if the lender revises or reissues their mortgage offer.
We will support you through to completion with confidence.
Who Can Apply?
This offer is open to individual residential buyers only, those purchasing property for personal use (not business, investment, or professional purposes).
You must:
- Be using a mortgage to fund your purchase
- Have instructed us to act at least 21 days before your mortgage offer expiry
- Not be purchasing multiple properties for business or investment use
If you’re unsure whether you qualify for this promotion, we’re happy to talk it through.
How We Can Help
If your mortgage offer is nearing its expiry, or you simply want clear, proactive conveyancing support, our team is here to help. We’re proud to combine legal expertise with down-to-earth advice that puts you first.
Let us help you move forward, confidently and securely.
Our Accreditations
