We were just about to sign contracts for a garden flat in Lytchett Matravers. We have hit a problem. Our mortgage offer with HSBC Bank runs out on 10/12/2025 but the owners are putting forward a completion date of 12/12/2025. Is it possible to extend the mortgage offer?

The best person to deal with your concern is your solicitors who will determine whether they should be discussing with the bank, vendor’s lawyers, property agents or conceivably all three given the circumstances your transaction as of today.

We wanted to use a conveyancing solicitor in Lytchett Matravers for our home move. Our financial adviser informed us that our mortgage lenders Barclays won't deal with them. Surely this is unduly restrictive?

A decade ago most mortgage companies had an appetite for risk which was higher than today. Almost all Lytchett Matravers conveyancing firms would have been on many lender panels. The FSA in 2010 carried out a thematic investigation into mortgage fraud which concluded: mortgage lenders should know the conveyancing solicitors dealt with. Consequently, mortgage companies have regularly sought more data from law firms relating to their operations and the individuals who work for them and set certain criteria such a completing on a minimum volume of transactions. Many Lytchett Matravers conveyancing firms that have been excluded from lender panels have a 100% healthy track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Lytchett Matravers is amongst the hundreds of locations where the conveyancers we recommend are are authorised to act for Barclays .

I purchased my apartment on 10 May and my personal details are still not on the land registry website. Should I be concerned? My conveyancing solicitor in Lytchett Matravers said it should be recorded in less than a month. Are properties in Lytchett Matravers uniquely lengthy to register?

There is nothing unique about conveyancing in Lytchett Matravers registration formalities. Rather than based on location, timescales can vary according to who lodges the application, whether it is in order and if the Land registry communicate with any 3rd persons or bodies. At present in the region of 80% of such applications are completed in less than three weeks but some can be subject to protracted delays. Historically registration takes place after the buyer has moved in to the premises therefore 'speed' is not typically primary concern but if there is a degree of urgency associated with the registration then you or your solicitor should communicate with the Registry to express the reasoning for the application to be prioritised.

As co-executor for the will of my aunt I am selling a house in Neath but live in Lytchett Matravers. My lawyer (approximately 250 miles awayrequires that I execute a stat dec before the transaction finalising. Could you suggest a conveyancing solicitor in Lytchett Matravers who can attest and place their company stamp on the document?

strictly speaking you should not be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or qualified solicitor will suffice regardless of whether they are based in Lytchett Matravers

I've recently bought a leasehold flat in Lytchett Matravers. Am I liable to pay service charges relating to a period prior to my ownership?

In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. It is an essential part of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.

If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).

Lytchett Matravers Leasehold Conveyancing - Sample of Questions you should ask Prior to buying

In the main the outlay for major works tend not to be incorporated into the maintenance charges, albeit that there some managing agents in Lytchett Matravers obliged leaseholders to pay into a sinking fund created for the specific intention of establishing a fund for major works. Who is in charge of the building?