We are a couple about to sign contracts for a semi detached house in Acocks Green. We encountered a problem. The mortgage offer with Barnsley Building Society expires on 10/7/2026 but the sellers are suggesting a completion date of 14/7/2026. Is it possible to prolong the mortgage expiry date?
The best person to deal with your concern is your solicitors who will calculate if they better off negotiating with the mortgage company, owner’s representatives, estate agents or indeed all three given what has happend in your house move to date.
I am selling my flat in Acocks Green. Will the conveyancer have to be on the Aldermore conveyancing panel in order to deal with the discharge of my mortgage?
Ordinarily, even if your lawyer is not on the Aldermore 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 panel criteria fairly frequently currently.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Acocks Green?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Acocks Green. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
I am buying a new build house in Acocks Green with the aid of help to buy. The sellers would not budge the amount so I negotiated 6k of additionals instead. The sale representative advised me not reveal to my conveyancer about this extras as it would adversely affect my loan with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
I've recently found out that there is a flying freehold issue on a house I put an offer in a fortnight ago in what should have been a straight forward, chain free conveyancing. Acocks Green is the location of the property. Can you shed any light on this issue?
Flying freeholds in Acocks Green are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Acocks Green you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Acocks Green may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
How can the Landlord & Tenant Act 1954 impact my commercial premises in Acocks Green and how can you help?
The 1954 Act provides security of tenure to business tenants, granting the right to make a request to court for a continuation of occupancy when the lease comes to an end. There are certain specified grounds where a landlord can refrain from granting a lease renewal and the rules are involved. Fees are different for commercial conveyancing. Acocks Green is one of our hundreds of areas of the UK in which the firms we work with have offices