My wife and I are only a couple days away from an exchange on a property in Hetton Le Hole and my parents have transferred the exchange deposit to my conveyancing practitioner. I am now advised that as the deposit has not arrived from me my conveyancing practitioner needs to disclose this to my mortgage company. Apparently, in also acting for the bank he must inform them that the balance of the purchase price is coming from anyone other than me. I informed the mortgage company concerning my parents' contribution when I applied for the mortgage, so is it really appropriate for this now to hold matters up?
The property lawyer is obliged to check with mortgage company to ensure that they know that the balance of the purchase price is not from your own funds. The solicitor can only reveal this to your mortgage company if you permit them to, failing which, your lawyer must cease to continue acting.
I am about to put an offer on a leasehold flat in Hetton Le Hole. The property agents advise that it is standard for flats in Hetton Le Hole to have less than 75 years left on the lease. I am obtaining a mortgage with Tesco Bank. Will the property be mortgageable given that the lease has 70 years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 14/9/2026 the requirements read as follows :
I purchased a renovated Edwardian property in Hetton Le Hole. Conveyancing practitioner represented me and Clydesdale. I did a free Land Registry search last week and there are two entries: the first freehold, another for leasehold under the matching address. If a house is not a freehold shouldn't I have been informed?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Hetton Le Hole and other locations in the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with the conveyancing practitioner who conducted the work.
Due to the encouragement of my in-laws I had a survey completed on a property in Hetton Le Hole prior to appointing conveyancers. I have been told that there is a flying freehold overhang to the property. Our surveyor advised that some lenders tend refuse to grant a loan on this type of premises.
It depends who your proposed lender is. Santander has different requirements for example to Birmingham Midshires. If you call us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Hetton Le Hole. Conveyancing may be slightly more expensive based on your lender's requirements.
How easy is it to use your search app to choose a conveyancing practitioner in Hetton Le Hole on the panel for my lender?
First pick a bank such as Accord Mortgages Ltd, Chelsea Building Society or Godiva Mortgages Ltd then specify your location for example Hetton Le Hole. Conveyancing organisations in Hetton Le Hole and across England and Wales will then be identified.
I see that you have a post code search directory listing solicitors on the bank conveyancing panel. Do Hetton Le Hole conveyancing companies pay you a referral fee if I instruct them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the mortgage company conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint for your conveyancing in Hetton Le Hole.