We were just about to exchange contracts for a leasehold flat in Water Orton. We encountered a stumbling block. The loan offer with HSBC Bank runs out on 24/2/2026 but the sellers are insisting on a completion date of 26/2/2026. Can one extend the mortgage expiry date?
The person best placed to deal with your question is your solicitors who will calculate if he or she is better off negotiating with the mortgage company, vendor’s conveyancers, property agents or possibly all parties based on the circumstances your house move as of today.
Finally the sale completed on my house in Water Orton last April but my buyer keeps e-mailing me complaining that her lawyer is waiting to hear from mine. What should have happened now that I have sold?
After completion of your sale your solicitor is obliged to send the transfer documentation and all supplemental paperwork to the buyer’s conveyancer. Depending on the transaction, your lawyer must also send confirmation that the mortgage has been redeemed to the buyers solicitors. There is unlikely to be post completion requirements specific conveyancing in Water Orton.
Do I have to visit the offices of the solicitor to execute the mortgage deed? If so, I will appoint a lawyer who conducts conveyancing in Water Orton so that I can attend their offices when needed.
Most approved lawyers for lenders undertake their work via the post, internet or over phone calls. This enables them to conduct the conveyancing transaction no matter where you live in England or Wales. Nevertheless you should see if you can still book an appointment to visit conveyancing lawyer if you prefer.
I am the sole beneficiary of my late mum's estate with all property in now in my sole name, including the my former home in Water Orton. The Water Orton property was put into my name in November. I plan to dispose of the house. I do know about the CML six month 'rule', meaning my proprietorship will be treated the same way as though I had purchased the property in November. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook requires solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. How sensible a view mortgage companies take of it, depend on the mortgage company as this requirement is chiefly there to pick up on subsales or the flipping of properties.
I am currently in the process of buying my council flat in Water Orton. I have a mortgage offer with Kent Reliance. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use 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 Kent Reliance, you will need to appoint a solicitor on the Kent Reliance conveyancing panel.
My offer was accepted on a property in Water Orton on 17/11/2025, valuation was booked five days after, received a clean bill of health. Conveyancer instructed, so all that was missing was my mortgage offer. Having made daily calls to Yorkshire BS and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Yorkshire BS conveyancing panel. Are Yorkshire BS entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Yorkshire BS to deal with your lawyer's application to be on the Yorkshire BS conveyancing panel. There's no guarantee that your solicitor will be accepted.
The deeds to my house are lost. The lawyers who dealt with the conveyancing in Water Orton 10 years ago have long since closed. What do I do?
Gone are the days when you need to have the physical official documentation to prove you are the owner of your registered land or premises, as the Land Registry have everything they need in a digital format.
How does conveyancing in Water Orton differ for newly converted properties?
Most buyers of new build residence in Water Orton come to us having been asked by the seller to sign contracts and commit to the purchase even before the premises is constructed. This is because developers in Water Orton typically buy the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Water Orton or who has acted in the same development.