We are a couple about to sign contracts for a semi detached house in New Inn. We encountered a problem. The loan offer with Chelsea Building Society runs out on 30/3/2026 but the vendors are insisting on a completion date of 1/4/2026. Can one prolong the loan expiry date?

The best person to deal with your issue is your lawyer who will assess whether they should be discussing with the mortgage broker, seller’s lawyers, property agents or conceivably all three based on the circumstances your house move as of today.

I am the registered owner of a freehold residence in New Inn but still invoiced for rent, why is this and what is this?

It is rare for properties in New Inn and has limited impact for conveyancing in New Inn but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the generation of new rentcharges from 1977 onwards.

Previous rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence in 2037 is to be dispensed with completely.

My house in New Inn is up for sale and I have a buyer. Will the conveyancing practitioner have to be required to be on the Lloyds conveyancing panel in order to deal with redeeming my mortgage?

Ordinarily, even if your lawyer is not on the Lloyds conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their specifications fairly frequently at the moment.

My relative recommended that if I am buying in New Inn I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?

A search of this type is sometimes included in the estimate for your New Inn conveyancing searches. It is a large report of about 40 pages, listing and detailing significant information about New Inn around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, New Inn Education with maps and statistics, Local Amenities and other useful information concerning New Inn.

I am purchasing a maisonette with all finances in place. My lawyer has been supplied with with 2 separate forms of photographic ID, bank statement, numerous utility bills. Now he wants a copy from a probate lawyer stating that the money is legitimate and that it has come from inheritance and not dealing E's in Ibiza.

For some years now requires conveyancing solicitors as well as banks, building societies and other financial institutes to obtain satisfactory evidence of the identity of the client. This is because solicitors who deal with money and property on behalf of their clients can be used by criminals wishing to launder money. In order to comply with the law of money laundering, your New Inn conveyancing lawyer will need to obtain evidence of your identity as as well as make sure that your funds are legitimate.