We are about to exchange contracts for a freehold house in Bedale. We encountered a problem. Our mortgage offer with Nottingham Building Society expires on 15/12/2025 but the sellers are suggesting a completion date of 17/12/2025. Can one prolong the loan expiry date?
The best person to deal with your question is your conveyancer who should assess if he or she is corresponding with the bank, owner’s lawyers, selling agents or indeed all three based on the circumstances your house move to date.
It is a dozen years since I purchased my house in Bedale. Conveyancing solicitors have now been appointed on the sale but I am unable to find the deeds. Will this cause complications?
You need not be too concerned. Firstly the deeds may be with the mortgage company or they may be archived with the solicitor who acted in the purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors obtaining current official copies of the land registers. The vast majority of conveyancing in Bedale relates to registered property but in the unlikely event that your home is not registered it is more problematic but is resolvable.
My father advised me that in buying a property in Bedale there could be a number of restrictions preventing external alterations to the property. Is this right?
There are anumerous of properties in Bedale which have some sort of restriction or requirement of consent to perform external changes. Part of the conveyancing in Bedale should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Is there a list of RBS panel solicitors in Bedale on the UK Finance Lenders’ Handbook Website?
Unfortunately not yet. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few banks make their panel listings visible on the web. If you are seeking to appoint a Bedale property lawyer on the RBS please make the most of our tool.
Can I be sure that the Bedale conveyancing solicitor on the Kent Reliance panel is any good?
When it comes to conveyancing in Bedale obtaining recommendations is a good start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the lawyer handling your conveyancing.
About to purchase a new build apartment in Bedale. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.
Here are examples of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Bedale
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There must be mutual enforceability of lessee’s covenants. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Please provide evidence that the form of Lease proposed has been approved by the Land Registry. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?
I've recently found out that there is a flying freehold issue on a property I have offered on two weeks back in what should have been a straight forward, chain free conveyancing. Bedale is the location of the property. Is there any advice you can give?
Flying freeholds in Bedale are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Bedale you must be sure that your lawyer goes through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Bedale may determine 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 property.
I today plan to offer on a house that appears to be perfect, at a reasonable figure which is making it more attractive. I have since been informed that the title is leasehold as opposed to freehold. I would have thought that there are particular concerns buying a house with a leasehold title in Bedale. Conveyancing lawyers have are about to be appointed. Will my lawyers set out the implications of buying a leasehold house in Bedale ?
The majority of houses in Bedale are freehold and not leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can assist with the conveyancing process. We note that you are buying in Bedale so you should seriously consider looking for a Bedale conveyancing solicitor and be sure that they have experience in dealing with leasehold houses. First you will need to check the number of years remaining. As a lessee you will not be entirely free to do whatever you want to the property. The lease will likely included provisions for example obtaining the freeholder’sconsent to conduct alterations. You may also be required to pay a contribution towards the upkeep of the estate where the property is part of an estate. Your conveyancer should advise you fully on all the issues.
I purchased a split level flat in Bedale, conveyancing formalities finalised in 2002. How much will my lease extension cost? Similar properties in Bedale with over 90 years remaining are worth £165,000. The ground rent is £50 levied per year. The lease finishes on 21st October 2103
With only 78 years unexpired the likely cost is going to range between £7,600 and £8,800 plus professional fees.
The suggested premium range above a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of comprehensive due diligence. You should not use this information in a Notice of Claim or as an informal offer. There may be additional concerns that need to be considered and clearly you want to be as accurate as possible in your negotiations. Neither should you take any other action placing reliance on this information without first seeking the advice of a professional.