We are about to sign contracts for a garden flat in Kingston. We have hit a snag. Our mortgage offer with Chelsea Building Society runs out on 8/8/2025 but the vendors are putting forward a completion date of 12/8/2025. Is it possible to extend the mortgage offer?
The person best placed to address this concern is your conveyancer who is in a position to assess if he or she is better off negotiating with the bank, vendor’s solicitors, property agents or indeed all three based on the circumstances your transaction to date.
Do I find a Licenced Conveyancer or Solicitor for conveyancing in Kingston?
There are many registered licenced Conveyancers in Kingston and Solicitor firms in Kingston offering conveyancing It is important to make clear that the two are regulated professionals specialising in the legal aspects of the home buying process. They may both also deal with other property legal work such as remortgage conveyancing, enfranchisement and transfer of equity conveyancing.
Forgive me if this question is silly but I am wet behind the ears as a first time buyer of a garden flat in Kingston. Do I collect the keys to the property on the completion date from my solicitor? If so, I will instruct a High Street conveyancing solicitor in Kingston?
On the day of completion you do not need to go to the conveyancers office in Kingston. Conveyancing lawyers for you will electronically transfer the purchase money to the vendor’s conveyancers, and once they have received this, you will be called to receive the keys from the Estate Agents and start moving into the property. This tends to happen between 1 and 3pm.
I can not work out if my lender requires a lease extension. I have called my Kingston building society branch on various occasions and was informed it wasn't an issue and they would lend. My Kingston conveyancing solicitor - who is on the lender conveyancing panel- telephoned to say that they would not lend based on their published requirements. Who do I believe?
As long as the lawyer is on the mortgage company panel, she or he must adhere to the Council of Mortgage Lenders’ Handbook specifications for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
Should commercial conveyancing searches reveal proposed roadworks that could affect a commercial property in Kingston?
Many commercial conveyancing solicitors in Kingston will conduct a SiteSolutions Highways report as it dramatically cuts the time that conveyancers expend in researching accurate data on highways that impact buildings and development assets in Kingston. The search result sets out definitive data on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Kingston.
For each commercial conveyancing transaction in Kingston it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been dealt with adequately could cause delays to Kingston commercial conveyancing transactions as well as present a risk to future plans for the site. These searches are not conducted for domestic conveyancing in Kingston.
I used Action Conveyancing a few years past for my conveyancing in Kingston. I now require my papers however the law firm is no longer operating. What do I do?
Do 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 Kingston of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am buying a new build apartment in Kingston. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Set out below are examples of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Kingston
-
Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. There must be mutual enforceability of lessee’s covenants.
Over the last few months I have been searching for a ground for flat up to £305k and identified one near me in Kingston I like with open areas and transport links nearby, however it's only got 52 years unexpired on the lease. There is not much else in Kingston in this price bracket, so just wondered if I would be making a grave error acquiring a short lease?
Should you require a home loan the remaining unexpired lease term will be an issue. Reduce the price by the expected lease extension will cost if not already taken into account. If the existing proprietor has owned the property for a minimum of twenty four months you can request that they commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term and have £0 ground rent by law. You should consult your conveyancing solicitor about this.