We are about to exchange contracts for a semi detached house in Epsom. We have hit a stumbling block. The mortgage offer with Birmingham Midshires runs out on 30/11/2026 but the owners are putting forward a completion date of 2/12/2026. Is it possible to prolong the mortgage expiry date?
The best person to address this issue is your lawyer who should calculate whether he or she is should be discussing with the lender, vendor’s conveyancers, property agents or indeed all parties given the circumstances your transaction to date.
Can I use your services to locate a Conveyancing solicitor in Epsom even where I’m not buying or disposing of a house, for example if I want to acquire a shop in Epsom with a loan from Santander?
Our search tool is mainly there to help choose domestic conveyancing solicitors in Epsom but we have set out at the end of this page some Epsom commercial conveyancing firms. You should make contact with the firm directly to see if they can also act for Santander
A relative informed me that in purchasing a property in Epsom there may be various restrictions limiting what one can do in terms of external changes to a property. Is this right?
We are aware of a number of properties in Epsom which have some sort of restriction or requirement of consent to execute external changes. Part of the conveyancing in Epsom should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Is it the case that all Epsom solicitor firms on the Nationwide conveyancing panel are governed by the SRA?
As a firm of solicitors, in order to be on the Nationwide conveyancing panel they would need to be regulated by the SRA. Many banks do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers.
Bank of Ireland have agreed my mortgage in principle, my offer on a flat in Epsom has been accepted, what are the next steps?
Your estate agent will need to know who your solicitors are (be sure the solicitors are on the bank’s panel). Contact Bank of Ireland or the broker and finish off any appropriate forms. Bank of Ireland will sellect a valuer who will get in touch with the selling agent or owners to schedule an appointment. Once conducted (assuming no problems) it takes approximately a week to get a mortgage offer. Bank of Ireland will send the offer to you and your conveyancing practitioners. The legal work will then take it’s course according the nature and complexity of the conveyancing in Epsom.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Epsom?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Epsom. 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…’
Expecting to sign contracts shortly on a basement flat in Epsom. Conveyancing solicitors assured me that they will have a report out to me within the next couple of days. Are there areas in the report that I should be focusing on?
Your report on title for your leasehold conveyancing in Epsom should include some of the following:
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Whether the landlord has obligations to ensure rights of quiet enjoyment over your premises and do you know what it means in practice? Whether the lease restricts you from subletting the flat, or working from home You should receive a copy of the lease The physical extent of the premises. This may be the apartment itself but may incorporate a roof space or cellar if appropriate.
I have tried to negotiate informally with with my landlord for a lease extension without any joy. Can the Leasehold Valuation Tribunal decide on such issues? Can you recommend a Epsom conveyancing firm to act on my behalf?
Absolutely. We are happy to put you in touch with a Epsom conveyancing firm who can help.
An example of a Lease Extension case for a Epsom property is 33 The Maisonettes Alberta Avenue in June 2014. the Tribunal decided that the premium payable for the grant of a new lease be the sum of £20,680 (Twenty Thousand six hundred and eighty pounds). This case related to 1 flat. The unexpired residue of the current lease was 60.43 years.
My nephew is just in the process of moving home, the home loan was agreed last week in principle. After the seller agreed the offer on the house we called the bank to issue the formal offer. I was disappointed to hear that banks do not accept all conveyancer, they must be on their panel, is this legal?
Mortgage Companies normally imposes restrictions either the type or the number of conveyancing firms on their panel. Typical examples of such restriction(s) being that a firm must have two or more partners. In addition to restricting the type of firm, some have decided to limit the number of firms they use to represent them. You should note that banks have no responsibility for the quality of advice provided by any Epsom solicitor on their panel. Mortgage fraud was a key driver in the rationalisation of conveyancing panels a few years ago and whilst there are differing views about the extent of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that thousands of law firms only carry out one or two conveyances a year. Those supporting conveyancing panel cuts ask why law firms should have the right to be on a Lender panel when clearly, conveyancing is not their speciality. To put it another way; would you want a conveyancing solicitor to represent you if you were charged with a crime? Probably not.