We were just about to sign contracts for a garden flat in Bosham. We have hit a snag. Our loan offer with Halifax expires on 30/3/2026 but the sellers are suggesting a completion date of 1/4/2026. Can one extend the loan offer?
The person best placed to deal with your question is your conveyancer who is in a position to assess if they better off negotiating with the mortgage broker, owner’s representatives, selling agents or conceivably all parties taking into account what has gone on in your transaction to date.
As a FTB what is the most important advice you can impart concerning purchase conveyancing in Bosham?
Not many law firms or advisers will tell you this but conveyancing in Bosham and elsewhere in West Sussex is often a confrontational experience. Put another way, when it comes to conveyancing there is plenty of room for confrontation between you and others involved in the legal transfer of property. For instance, the seller, estate agent and on occasion your bank. Appointing a solicitor for your conveyancing in Bosham should not be taken lightly as your conveyancer is your adviser, and is the ONLY party in the legal process whose responsibility is to look after your legal interests and to keep you safe.
On occasion a potential adversary may try and sway you that you should follow their advice. For example, the selling agent may claim to be helping by suggesting your lawyer is dragging his heels. Or your mortgage broker may advise you to do take action that is contrary to your solicitors recommendation. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
I have 71 years unexpired on my lease and need a lease extension for my flat in Bosham. Conveyancing solicitors on the Chelsea Building Society panel can deal with such extensions correct?
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 29/1/2026 the requirements read as follows :
Should my conveyancer be asking questions concerning flooding as part of the conveyancing in Bosham.
The risk of flooding is if increasing concern for conveyancers dealing with homes in Bosham. There are those who buy a house in Bosham, fully expectant that at some time, it may be flooded. However, aside from the physical damage, where a house is at risk of flooding, it may be difficult to get a mortgage, satisfactory building insurance, or sell the premises. Steps can be carried out during the course of a house purchase to forewarn the purchaser.
Lawyers are not qualified to give advice on flood risk, but there are a number of searches that can be initiated by the purchaser or on a buyer’s behalf which will figure out the risks in Bosham. The standard completed inquiry forms sent to a buyer’s conveyancer (where the Conveyancing Protocol is adopted) incorporates a standard question of the vendor to find out whether the property has suffered from flooding. If the premises has been flooded in past and is not notified by the owner, then a buyer may bring a claim for damages resulting from an misleading answer. A buyer’s lawyers will also commission an enviro search. This will higlight if there is any known flood risk. If so, more detailed inquiries should be conducted.
Due to the advice of my in-laws I had a survey completed on a house in Bosham in advance of retaining conveyancers. I have been advised that there is a flying freehold element to the property. My surveyor has said that some banks may refuse to give a mortgage on such a home.
It depends who your proposed lender is. Lloyds has different instructions from Halifax. If you e-mail us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Bosham. Conveyancing will be smoother if you use a solicitor in Bosham especially if they are accustomed to such properties in Bosham.
We have had DIP from Platform Home Loans Ltd who said we could borrow up to £300k. When do we need to appoint a lawyer for conveyancing? Bosham is where we are buying.
You can instruct a property lawyer now requesting that they open a file on your behalf. This will trigger: 1) the selling agent to issue a Sales Memorandum to the relevant parties 2) the seller’s solicitor to send out the draft agreement. That being said, do not ask your conveyancer to start searches until you receive your valuation report via Platform Home Loans Ltd and you are happy to proceed.