We are about to sign contracts for a property in Marple. We have hit a snag. Our loan offer with Accord Mortgages Ltd runs out on 17/9/2025 but the sellers are suggesting a completion date of 19/9/2025. Can one prolong the loan expiry date?

The best person to deal with your concern is your conveyancer who should calculate if he or she is better off negotiating with the lender, owner’s solicitors, property agents or possibly all parties taking into account what has happend in your house move to date.

It is 10 years ago since I purchased my property in Marple. Conveyancing solicitors have now been retained on the sale but I can't locate the deeds. Will this jeopardise the sale?

You need not be too concerned. Firstly the deeds may be kept by your lender or they could be in the possession of the conveyancers who oversaw the purchase. Secondly in all probability the land will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Most conveyancing in Marple involves registered property but in the unlikely event that your home is unregistered it is more tricky but is resolvable.

Do the Building Society Association intend to launch a online directory to to identify law firms on the Melton Mowbray Building Society conveyancing panel for instance in Marple?

Lexsure has not been advised of any plans on the part of the BSA to develop such a search facility.

We are buying a house and the conveyancer has identified Chancel Repair to which the house may be liable because it falls into the area of such a church. He has recommended insurance. Is this really required for conveyancing in Marple

Unless a prior purchase of the premises completed post 12 October 2013 you may expect conveyancing practitioners handling conveyancing in Marple to continue to recommend a chancel search and or insurance against a claim.

What makes a Marple lease unacceptable for security purposes?

Leasehold conveyancing in Marple is not unique. Most leases are individual and drafting errors can result in certain sections are wrong. The following missing provisions could result in a defective lease:

Service charge per centages that don't add up correctly leaving a shortfall Clauses dealing with recovering service charges for expenditure on the building or common parts.

You will have a problem when selling your property if you have a defective lease as they can affect a potential buyer’s ability to obtain a mortgage. Lloyds TSB Bank, Virgin Money, and Bank of Ireland all have very detailed conveyancing instructions when it comes to what is expected in a lease. If a mortgage lender believes that the lease does not cover certain provisions they may refuse to grant the mortgage, forcing the purchaser to withdraw.

Leasehold Conveyancing in Marple - Examples of Questions you should consider Prior to Purchasing

Please tell me if there are any major works anticipated that will add a premium to the service costs? Many Marple leasehold apartments will incur a service charge for maintenance of the building invoiced by the management company. Where you buy the apartment you will have to meet this liability, normally periodically throughout the year. This may differ from two or three hundred pounds to thousands of pounds for blocks with lifts and large common areas. There will also be a rentcharge for you to pay annual, this is usually not a significant amount, say about £25-£75 but you should to enquire as on occasion it could be many hundreds of pounds.