We are a couple about to exchange contracts for a semi detached house in Kinver. We have hit a problem. The mortgage offer with Nationwide Building Society runs out on 5/3/2026 but the sellers are insisting on a completion date of 9/3/2026. Can one prolong the loan offer?

The person best placed to address this issue is your lawyer who will hopefully determine if they should be discussing with the mortgage broker, seller’s conveyancers, estate agents or indeed all parties taking into account the history of your conveyancing to date.

I am the registered owner of a freehold premises in Kinver but nevertheless pay rent, why is this and what is this?

It is rare for properties in Kinver and has limited impact for conveyancing in Kinver but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the creation of new rentcharges post 1977.

Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence post 2037 is to be extinguished.

2 months have gone by since my purchase conveyancing in Kinver took place. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £180,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

How does conveyancing in Kinver differ for newly converted properties?

Most buyers of new build premises in Kinver come to us having been asked by the developer to exchange contracts and commit to the purchase even before the residence is constructed. This is because builders in Kinver typically purchase 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 conveyancing solicitors 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 Kinver or who has acted in the same development.

As co-executor for the estate of my father I am disposing of a property in Neath but live in Kinver. My conveyancer (who is 235 kilometers from mehas requested that I execute a statutory declaration before the transaction finalising. Can you recommend a conveyancing solicitor in Kinver who can witness this legal document for me?

Technically speaking you are unlikely to be required to have the documents attested by a conveyancing solicitor. Normally any notary public or solicitor will be fine regardless of whether they are Kinver based