We are about to sign contracts for a garden flat in Weymouth. We have hit a stumbling block. The mortgage offer with Yorkshire Building Society expires on 7/4/2026 but the sellers are insisting on a completion date of 9/4/2026. Is it possible to prolong the mortgage expiry date?
The best person to deal with your issue is your conveyancer who will hopefully assess if they corresponding with the bank, vendor’s representatives, selling agents or possibly all three given what has gone on in your transaction to date.
We are expecting a mortgage offer soon. The lender mentioned the home loan came with free conveyancing. Does this mean I have to appoint their panel solicitor as I would prefer to instruct a high street conveyancing solicitor in Weymouth?
Do check but the chances are that appoint one of their panel solicitors if you want the "fee-free" deal. Speak to the bank to explore if they make available a monetary alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor near Weymouth.
I decided to have a survey completed on a property in Weymouth prior to retaining lawyers. I have been advised that there is a flying freehold element to the house. My surveyor has said that some lenders tend refuse to issue a mortgage on such a property.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Halifax. If you call us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Weymouth. Conveyancing may be slightly more expensive based on your lender's requirements.
I own a leasehold flat in Weymouth. Conveyancing and Chelsea Building Society mortgage organised. A letter has just been received from someone saying they have taken over the freehold. It included a ground rent demand for rent dating back to 1993. The conveyancing solicitor in Weymouth who acted for me is not around. Do I pay?
The first thing you should do is contact HMLR to make sure that the individual claiming to own the freehold is in fact the registered owner of the freehold reversion. There is no need to instruct a Weymouth conveyancing practitioner to do this as it can be done on-line for a few pound. Rest assured that regardless, even if this is the rightful freeholder, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Leasehold Conveyancing in Weymouth - Examples of Questions you should ask before buying
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Are there any major works in the near future that will add a premium to the service fees? This information is important as a) areas may cause problems in the block as the communal areas may start to deteriorate if repairs are not paid for b) if the tenants have a dispute with the running of the building you will want to have full disclosure How much is the ground rent and service charge?
I happen to be an executor of my recently deceased aunt’s Will, with a house in Weymouth which is to be marketed. The property is unregistered at the Land Registry and I'm told that some EAs will insist that it is in place before they'll move forward. What's the procedure for this?
In the circumstances you refer to it seems prudent to apply to register in the names of the personal representative(s) as named in the probate and in their capacity as PRs. The Land Registry’s online guidance explains how to register for the first time and what is required re the deeds and forms. You would need to include and official copy of the probate as well and complete the form FR1 to refer to the PRs as the applicant.