We were just about to sign contracts for a ground floor flat in Paignton. We encountered a snag. Our mortgage offer with Bank of Ireland runs out on 3/8/2026 but the vendors are suggesting a completion date of 5/8/2026. Can one extend the mortgage offer?
The person best placed to deal with your question is your conveyancer who is in a position to calculate if they better off negotiating with the bank, vendor’s solicitors, selling agents or indeed all three taking into account what has gone on in your conveyancing as of today.
I am considering applying for a Lloyds mortgage for purchase of a new build (under development) in Paignton with 60% LTV. Is it compulsory to choose a solicitor on the conveyancing panel for Lloyds ?
There is nothing to stop you using your solicitor, but Lloyds will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
I used Arc property Solicitors several years past for my conveyancing in Paignton. I now require my file however the law firm is no longer operating. What do I do?
Do contact 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 Paignton 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.
About to purchase a new build flat in Paignton. 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.
Here is a sample of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Paignton
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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. The Vendor must covenant to keep unsold units in good repair until long leases are granted therefore. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. There must be mutual enforceability of lessee’s covenants.
Due to the guidance of my in-laws I had a survey completed on a property in Paignton ahead of appointing solicitors. I have been informed that there is a flying freehold aspect to the house. My surveyor has said that some lenders may refuse to give a loan on such a premises.
It depends who your proposed lender is. HSBC has different instructions for example to Halifax. Should you wish to call us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Paignton. Conveyancing will be smoother if you use a solicitor in Paignton especially if they are accustomed to such properties in Paignton.
The conveyancers carrying out our conveyancing in Paignton has forwarded papers to review that state the property is unregistered with epitome documents. Is it not the case that all properties in Paignton are registered?
It is a rare occurrence indeed to find premises in Paignton to be unregistered. An 'epitome' is basically a dossier of photocopies of documents affecting an unregistered title. Plenty of Paignton conveyancing practitioners will be familiar with such matters but where uncertainty exists the usual recommendation these days is for the seller to address the registration formalities first and subsequently deal with the sale conveyance - this undoubtedly result in a protracted conveyancing.