We are about to sign contracts for a leasehold flat in Walton on the Naze. We encountered a snag. The mortgage offer with The Royal Bank of Scotland expires on 23/2/2026 but the owners are insisting on a completion date of 25/2/2026. Can one extend the mortgage expiry date?

The person best placed to deal with your issue is your lawyer who is in a position to assess whether he or she is should be discussing with the mortgage company, owner’s lawyers, property agents or possibly all parties based on the circumstances your conveyancing as of today.

At what point does exchange of contracts happen for purchase conveyancing in Walton on the Naze and am I required to be at the solicitors office?

If you are round the corner to one of the conveyancing solicitors in Walton on the Naze you are welcome to come in to sign contracts. That being said, the lender approved solicitors we recommend provide countrywide coverage for conveyancing and provide just as detailed and professional a job for you when communicating with you by post or email. The signing of the contract is not the point of no return. Signing on the dotted line simply enables the conveyancer to address the formalities at the appropriate time, which will usually be very shortly after signing. The procedure is nowadays normally dealt with by telephone and can be very rapid, although where a long "chain" is involved, since the process requires the relevant party's solicitor (not necessarily a conveyancing solicitor in Walton on the Naze)to be in the office available at the end of the phone to exchange contracts.

How straightforward is it to use the search facility to find a conveyancing practitioner in Walton on the Naze on the authorised to act for my bank?

First select a bank such as Birmingham Midshires, Norwich and Peterborough Building Society or Platform Home Loans Ltd then type in your location e.g. Walton on the Naze. Conveyancing practices in Walton on the Naze and nationally should be listed.

I have been sourcing a conveyancing practitioner in Walton on the Naze for my home move. Is there any facility to see a solicitor's record with the legal regulator?

One may review presented Solicitor Regulator Association (SRA) determinations stemming from inquisitions commenced on or after Jan 2008. Visit Check a solicitor's record. To find records Pre 2008, or to check a solicitors history, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The regulator sometimes recorded call for training requirements.

I am looking at a couple of maisonettes in Walton on the Naze both have in the region of fifty years remaining on the lease term. Should I regard a short lease as a deal breaker?

A lease is a legal document that entitles you to use the property for a prescribed time frame. As the lease shortens the saleability of the lease deteriorates and it becomes more expensive to extend the lease. For this reason it is often a good idea to extend the lease term. Sometimes it is difficult to sell a property with a short lease because mortgage lenders less inclined to grant a loan on properties of this type. Lease enfranchisement can be a protracted process. We recommend you seek professional help from a conveyancer and surveyor with experience in this area.

Walton on the Naze Leasehold Conveyancing - Examples of Questions you should consider before Purchasing

Does the lease contain onerous restrictions? Is there a share of the freehold? Make sure you investigate if there is anything that is prohibited in the lease. For instance it is very common in Walton on the Naze leases that pets are not allowed in certain buildings in Walton on the Naze. If you love the flatin Walton on the Naze but your cat is not allowed to move with you then you will be presented with a difficult determination.