My husband and I are nearing an exchange on a property in Allenton and my mum and dad have transferred the exchange deposit to my property lawyer. I am now informed that as the deposit has been sent from someone other than me my solicitor needs to disclose this to my lender. I am advised that, in also acting for the mortgage company he must advise them that the balance of the purchase price is coming from anyone other than me. I disclosed to the lender regarding my parents' contribution when I applied for the home loan, so is it really necessary for this now to delay the deal?
Your conveyancing practitioner is legally required to clarify with mortgage company to make sure that they know that the balance of the purchase price is not from your own funds. Your solicitor can only reveal this to your bank if you agree, failing which, your lawyer must cease to continue acting.
We see that you have a post code search directory identifying solicitors on the Kent Reliance conveyancing panel. Do firms pay you a referral fee if I retain them for our conveyancing in Allenton?
We are a listing service only for law firms wishing to communicate if they are on the Kent Reliance conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Allenton.
I am about to put an offer on a leasehold flat in Allenton. The property agents advise that it is normal for flats in Allenton to have less than 75 years left on the lease. I am taking out a loan with Virgin. Is this going to be acceptable if the lease has 70 years remaining.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 19/7/2026 the requirements read as follows :
I bought my house on 8 June and my personal details are still not registered. Should I be concerned? My conveyancing solicitor in Allenton expressed confidence that it would be concluded in less than a month. Are titles in Allenton particularly slow to register?
As far as conveyancing in Allenton is concerned, registration is no faster or slower than the rest of England and Wales. As opposed to being determined by geographic area, timeframes can differ subject to who lodges the application, whether there are errors and if the Land registry communicate with any 3rd parties. Currently approximately 80% of submission are completed within 12 days but some can be subject to extensive hold-ups. Historically registration occurs after the buyer has moved in to the property so an expedited registration is not typically top priority yet where it is urgent that the the registration takes place urgently then you or your conveyancer can communicate with the Registry to express the reasoning for the application to be prioritised.
How does conveyancing in Allenton differ for new build properties?
Most buyers of new build premises in Allenton approach us having been asked by the builder to exchange contracts and commit to the purchase even before the house is finished. This is because new home sellers in Allenton usually acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Allenton or who has acted in the same development.
I opted to have a survey done on a house in Allenton in advance of appointing conveyancers. I have been told that there is a flying freehold overhang to the property. My surveyor has said that some mortgage companies may refuse to give a mortgage on such a premises.
It depends who your proposed lender is. 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 assist as they are used to dealing with flying freeholds in Allenton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Allenton to see if the conveyancing will be more expensive.