We are about to exchange contracts for a property in Moulton. We have hit a stumbling block. Our mortgage offer with runs out on but the owners are putting forward a completion date of . Can one extend the loan offer?

The best person to deal with your question is your conveyancer who is in a position to determine if they corresponding with the lender, owner’s solicitors, estate agents or possibly all parties given the history of your house move to date.

My husband and I decided to purchase a newly converted flat in Moulton with a loan from .We like our Moulton conveyancing practitioner but informed us she’s not listed on their approved list of member firms. It seems we are left with no choice but to instruct a panel firm or keep our preferred solicitor and fork out for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that use our lawyer?

Unfortunately,no. The loan issued to you is subject to its terms and conditions, one of which will be that conveyancers must be on the approved list. in the past, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for

I opted to have a survey done on a house in Moulton before retaining conveyancers. I have been advised that there is a flying freehold element to the house. My surveyor advised that some mortgage companies will not grant a loan on a flying freehold property.

It varies from the lender to lender. Lloyds has different requirements from Halifax. If you e-mail us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Moulton. Conveyancing will be smoother if you use a solicitor in Moulton especially if they regularly deal with such properties in Moulton.

We're FTB’s - agreed a price, but the selling agent has warned us that the vendor will only go ahead if we appoint the agent's chosen conveyancers as they are insisting on an ‘expedited deal’. Our preferred option is to instruct a high street solicitor who is familiar with conveyancing in Moulton

We suspect that the owner is unaware of this demand. Should the vendor want ‘a quick sale', taking such a hostile approach to a motivated buyer is going to damage their objectives. Contact the vendors directly and make the point that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you have nothing to sell (d) you intend to proceed fast (e)however you will continue to use your own,trusted Moulton conveyancing lawyers - not the ones that will provide the estate agent a introducer fee or achieve conveyancing thresholds demanded by corporate headquarters.

I’m about to sell my basement apartment in Moulton. Conveyancing solicitors are to be appointed soon, but I have just had a yearly service charge demand – should I leave it to the buyer to sort out?

The sensible thing to do is discharge the invoice as normal as all ground rent and maintenance invoices will be allotted as part of the financial calculations for completion monies, so you should recover the relevant percentage by the purchaser for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

Leasehold Conveyancing in Moulton - Sample of Queries Prior to buying

Does the lease contain onerous restrictions? Are any of leasehold owners in arrears of their service charge liability?