We are a couple about to exchange contracts for a ground floor flat in Hull East. We encountered a problem. Our mortgage offer with Halifax runs out on 24/3/2025 but the owners are suggesting a completion date of 26/3/2025. Is it possible to extend the mortgage offer?

The best person to deal with your concern is your lawyer who will calculate if he or she is corresponding with the bank, seller’s solicitors, estate agents or conceivably all parties based on the circumstances your transaction as of today.

It is 10 years ago since I acquired my home in Hull East. Conveyancing solicitors have now been instructed on the sale but I can't locate the title deeds. Is this a major issue?

You need not be too concerned. Firstly there is a possibility that the deeds will be retained by your mortgage company or they could be in the possession of the conveyancers who handled your purchase. Secondly in all probability the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Nearly all conveyancing in Hull East involves registered property but in the rare situation where your home is not registered it is more problematic but is resolvable.

I am considering applying for a TSB mortgage for purchase of a new build (under development) in Hull East with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for TSB ?

There is nothing to stop you using your solicitor, but TSB will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.

Due to the guidance of my in-laws I had a survey completed on a property in Hull East prior to retaining solicitors. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some lenders tend refuse to grant a loan on such a house.

It varies from the lender to lender. Santander has different requirements for example to Birmingham Midshires. If you e-mail us we can check with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Hull East. Conveyancing will be smoother if you use a solicitor in Hull East especially if they are acquainted with such properties in Hull East.

There are plenty of houses in Hull East on unadopted lanes. We are acquiring such a property. Are there any advantages to buying a residence on a private road?

Hull East conveyancing lawyers are used to conveyancing propertieson private. Your solicitor should review the Land Registry data to identify any rights or responsibilities. In many cases there is a residents association that owners make annual contributions for the upkeep of the road. If one exists, the road should be maintained and look better than publicly adopted.