We are a couple about to exchange contracts for a property in Cheslyn Hay. We encountered a stumbling block. The loan offer with Platform Home Loans Ltd runs out on 20/4/2026 but the vendors are putting forward a completion date of 22/4/2026. Can one prolong the mortgage expiry date?

The best person to deal with your issue is your solicitors who will determine if he or she is should be discussing with the lender, vendor’s conveyancers, selling agents or possibly all parties taking into account what has gone on in your house move as of today.

My wife and I are selling our home in Cheslyn Hay and the buyers lawyers are claiming that there is a risk of it being built land that was not decontaminated. Any local lawyer would know this is not the case. For the life of me I don't know why the purchasers are using a factory type conveyancing outfit as opposed to a conveyancing solicitor in Cheslyn Hay. Having lived in Cheslyn Hay for many years we know that this is a non issue. Should we contact our local Authority to obtain clarification need.

It would appear that you have a conveyancing lawyer currently acting for you. What do they say? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)

Are there restrictive covenants that are commonly picked up during conveyancing in Cheslyn Hay?

Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Cheslyn Hay. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I'm buying my first flat in Cheslyn Hay benefiting from help to buy. The sellers refused to move on the price so I negotiated five thousand pounds worth of additionals instead. The house builders rep advised me not inform my solicitor about the extras as it may put at risk my mortgage with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Due to the advice of my in-laws I had a survey completed on a property in Cheslyn Hay in advance of appointing conveyancers. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some mortgage companies may refuse to give a mortgage on such a property.

It varies from the lender to lender. Lloyds has different instructions from Nationwide. Should you wish to call us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Cheslyn Hay. Conveyancing may be slightly more expensive based on your lender's requirements.