We are a couple about to sign contracts for a property in Mynydd Isa. We have hit a snag. Our loan offer with HSBC Bank expires on 13/8/2026 but the vendors are putting forward a completion date of 17/8/2026. Can one extend the loan offer?
The person best placed to address this question is your lawyer who should assess if they corresponding with the bank, owner’s solicitors, estate agents or indeed all parties given the circumstances your house move to date.
I own a 4 bedroom Georgian property in Mynydd Isa. Conveyancing lawyer acted for me and Leeds Building Society. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?
You should read 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 proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Mynydd Isa and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the position with the conveyancing practitioner who conducted the work.
The estate agent has sent us the confirmation of our purchase of a new build flat in Mynydd Isa. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.
Set out below is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Mynydd Isa
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Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Please supply a car parking plan. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore.
Due to the advice of my in-laws I had a survey completed on a house in Mynydd Isa prior to retaining lawyers. I have been informed that there is a flying freehold aspect to the property. Our surveyor has said that some lenders tend refuse to issue a mortgage on this type of home.
It varies from the lender to lender. Lloyds has different instructions from Halifax. Should you wish to telephone us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Mynydd Isa. Conveyancing may be slightly more expensive based on your lender's requirements.
Am I right to be concerned by brokers that I am dealing with are suggesting a web based conveyancing firm as opposed to a High Street Mynydd Isa conveyancing firm?
As is the case with lots of professional services, often recommendations from connections can be worth their weight in gold. But there are lots of people with a vested interest in a conveyancing deal; estate agents, mortgage brokers and lenders might all suggest lawyers to use. Sometimes these lawyers might be known to one of the organisations as one of the best in their field, but occasionally there exists a commercial relationship behind the recommendation. You have the right to select your own conveyancer. However, bear in mind that the majority of mortgage providers specify a panel list of law firms you are obliged to use for the lender related work in your transaction.
My father-in-law has encouraged me to appoint his conveyancing solicitors in Mynydd Isa. Should I choose my own conveyancer?
There are no two ways about it the best way to find a conveyancing lawyer is to seek referrals from friends or family who have actually used the conveyancer that you are considering.