We are a couple about to sign contracts for a property in Meltham. We encountered a snag. Our mortgage offer with The Mortgage Works runs out on 17/3/2026 but the sellers are suggesting a completion date of 19/3/2026. Can one prolong the loan offer?

The person best placed to address this concern is your conveyancer who should calculate if he or she is should be discussing with the mortgage broker, seller’s lawyers, estate agents or conceivably all parties taking into account what has happend in your conveyancing as of today.

It is 10 years ago since I purchased my house in Meltham. Conveyancing solicitors have just been retained on the sale but I can't find my title documents. Is this a problem?

Don’t worry too much. Firstly the deeds may be kept by your lender or they could be in the possession of the lawyers who handled the purchase. Secondly the likelihood is that the property will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing solicitors acquiring up to date copy of the land registers. Most conveyancing in Meltham involves registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.

Can I be sure that the Meltham conveyancing solicitor on the Kent Reliance panel is any good?

When it comes to conveyancing in Meltham seeking recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advise that you speak with the solicitor conducting your conveyancing.

I have today made my last payment due on my mortgage with Clydesdale. I assume I don't need a Meltham conveyancing practitioner on the Clydesdale panel to discharge the mortgage at the Land Registry. Please confirm.

If you have finished paying off your Clydesdale mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Clydesdale mortgage from the register. Clydesdale, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Clydesdale has sent the Land Registry the discharge electronically, and
3. Clydesdale has instructed the Land Registry to do so

After what seems like an age I have had an offer on a flat in Meltham accepted, the sellers do however have a tied purchase. The sellers have offered on somewhere, but it’s not been accepted yet, and have viewings of other properties booked. I have selected a nearby conveyancing solicitor in Meltham. What should be my next step? At what stage should I apply for the mortgage with Nottingham?

It is understandable to have anxieties where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is in the region of one thousand pounds, then survey, Meltham conveyancing search costs, etc). First, you must ensure that your solicitor is on the Nottingham conveyancing panel. Regarding the subsequent steps this very much dictated by the uniqueness of your case, attraction to this property and on the state of the market. During a rising market the majority of buyers would apply for a home loan with Nottingham and pay for the valuation and only if it comes back ok would they ask their conveyancing practitioner to move forward with searches.

I have recentlybecome aware that Arc property Solicitors have closed. They conducted my conveyancing in Meltham for a purchase of a leasehold apartment 10 months ago. How can I establish that my home is not still registered in the name of the previous owner?

The quickest method to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Meltham conveyancing specialists.

Just had an offer accepted on a new build flat in Meltham. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below is a sample of a few leasehold new build enquiries that you may expect your new-build leasehold conveyancing in Meltham

Please confirm the Lease plans are surveyor prepared. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. There must be mutual enforceability of lessee’s covenants. Please supply a car parking plan.