We were just about to exchange contracts for a property in Bispham. We have hit a problem. Our mortgage offer with Skipton Building Society runs out on 23/9/2026 but the vendors are suggesting a completion date of 25/9/2026. Can one extend the mortgage offer?
The person best placed to deal with your question is your lawyer who should assess if they should be discussing with the lender, vendor’s solicitors, selling agents or possibly all parties given what has gone on in your transaction to date.
My property lawyer in Bispham is not on the Santander Approved Panel. Can I still continue with my family solicitor even though they are excluded from the Santander panel of approved conveyancing solicitors?
Your options are as follows:
- Complete the purchase with your existing Bispham lawyers but Santander will need to use a lawyer on their list of acceptable firms. This will inevitably rack up the total conveyancing charges and cause frustration.
- Choose an alternative solicitor to to deal with the purchase, remembering to check they are Santander approved.
- Try to convince your Santander based solicitor to attempt to join the Santander panel
Are there restrictive covenants that are commonly picked up as part of conveyancing in Bispham?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Bispham. 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've recently found out that there is a flying freehold element on a property I have offered on two weeks back in what was supposed to be a simple, no chain conveyancing. Bispham is the location of the property. What do you suggest?
Flying freeholds in Bispham are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Bispham you would need to get your solicitor to go 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 Bispham 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.
Given that I am about to part with £400,000 on a property in Bispham I wish to have a conversation with the solicitor about mytransaction before instructing the firm. Can this be arranged?
We could not agree more - it is our preference to talk to you we do not take any clients on without you speaking to the solicitor who will be doing your conveyancing in Bispham.There is no ‘factory style conveyancing’ - every client is an important person, not a file reference. The solicitors that we put you in touch with believe that the figure you are calculated and presented to you for your conveyancing in Bispham should be the figure that you end up paying.
I am a couple of weeks into a residential purchase having been referred to conveyancers by the selling agent to handle our conveyancing in Bispham. I am not happy. Can you help me find new solicitors?
They would need to be very bad to suggest changing them. Has your mortgage been generated? If so you need to advise them of the new contact details and get the loan are re-issued. Your new conveyancer should be on the banks approved list to avoid escalating expenses and frustration. That should be your first question of the new lawyers. The search tool should help you find a bank approved lawyer for your home move in Bispham