We are a couple about to sign contracts for a ground floor flat in Littleport. We have hit a stumbling block. The loan offer with Godiva Mortgages Ltd runs out on 3/2/2025 but the owners are suggesting a completion date of 5/2/2025. Is it possible to extend the loan offer?

The person best placed to address this concern is your lawyer who is in a position to calculate whether they should be discussing with the mortgage company, vendor’s solicitors, selling agents or conceivably all three based on the circumstances your conveyancing to date.

I can see plenty of here concerning conveyancing in Littleport but can you isolate your top tip for selecting the right conveyancer in Littleport

It would be unwise to be seduced by the lowest Littleport conveyancing costs illustration. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you go into the conveyancing with your eyes wide open.

The formalities of my remortgage has taken place for my property in Littleport. Conveyancing was satisfactory but I would like to complain about the lender. How does one go about formally complaining?

All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

I can not fathom if my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have telephoned my Littleport bank branch on various occasions and was told it does not affect the mortgage offer and they will lend. My Littleport conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they refuse to lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?

Provided that the conveyancer is on the lender approved list, they must adhere to the Council of Mortgage Lenders’ Handbook provisions for the bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.

I decided to have a survey carried out on a property in Littleport ahead of appointing lawyers. I have been informed that there is a flying freehold element to the property. My surveyor advised that some mortgage companies may refuse to grant a loan on such a premises.

It depends who your proposed lender is. Lloyds has different requirements from Birmingham Midshires. If you contact us we can check via the appropriate bank. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Littleport. Conveyancing may be slightly more expensive based on your lender's requirements.

Hoping to buy a property located in Littleport and I am already nervous. I couldn't find anything specific about Littleport. Conveyancing will be needed in due course but do you know about the Littleport area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Littleport. In the meantime here are some basic statistics that we found

The lawyers undertaking our conveyancing in Littleport has forwarded papers to review that indicate that the land is unregistered with epitome documents. How can it be that the property not currently recorded at the Land Registry?

Much of the property in Littleport is registered. An 'epitome' is basically a dossier of photocopies of documents affecting an unregistered title. Plenty of Littleport conveyancing practitioners will be familiar with this type of conveyancing but if any uncertainty reigns the usual recommendation presently is for the current owners to deal with the registration formalities first and subsequently sell - this this chain of events will cause a prolonged transaction.