We were just about to exchange contracts for a freehold house in Prudhoe. We have hit a stumbling block. Our mortgage offer with Bank of Ireland runs out on 24/12/2026 but the sellers are suggesting a completion date of 30/12/2026. Is it possible to extend the mortgage expiry date?
The best person to address this issue is your lawyer who will hopefully calculate whether he or she is corresponding with the lender, owner’s lawyers, estate agents or indeed all three taking into account what has gone on in your transaction to date.
In what way does my ID and proof of funds have anything to do with my conveyancing in Prudhoe? What am I being asked for?
Prudhoe conveyancing solicitors as well as nationwide property practitioners accross the UK have an obligation under Anti-terror and anti-money-laundering rules to verify the ID of any client in order to satisfy themselves that clients are who they say they are.
Conveyancing clients will need to provide two forms of certified identification; proof of identity (typically a Passport or Driving Licence) and proof of address (usually a Utility Bill less than 3 months old).
Proof of source of funds is also required under the money laundering laws as conveyancers have a duty to ensure that the funds you are using to purchase a property (be it the exchange deposit or the full purchase amount where you are buying mortgage free) has originated from a reputable source (such as an inheritance) rather than the product of criminal activity.
We have agreed to purchase a house in Prudhoe. One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Skipton be concerned?
Given that your lender is Skipton your lawyer must follow the conveyancing instructions set out in Section two of UK Finance Lenders’ Handbook for Skipton. The Council of Mortgage Lenders’ Handbook contains minimum specifications for solar panel roof-space leases, and lawyers are required to report to Skipton where a lease fails to comply with these specifications. The requirements relate to the installation of panels on properties in England and Wales and is not restricted to Prudhoe.
I currently have a mortgage with Aldermore for my property in Prudhoe. Conveyancing has been completed some time ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Aldermore?
Aldermore must be informed of your intention in advance of letting out your property as this is likely to be a breach of Aldermore’s mortgage conditions. It may be that Aldermore will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Aldermore directly. You need not do this via a Aldermore conveyancing panel firm.
I had an offer accepted on a property in Prudhoe on 8/9/2026, valuation was booked five days later, received a clean bill of health. Conveyancer retained, so all that was missing was my mortgage offer. Having made daily calls to Santander and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Santander conveyancing panel. Are Santander entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Santander to deal with your lawyer's application to be on the Santander conveyancing panel. There's no guarantee that your solicitor will be accepted.
Various internet forums that I have frequented warn that are a common reason for hinderance in Prudhoe conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) released conclusions of a review by MoveWithUs that conveyancing searches do not figure within the top 10 causes of hindrances in the conveyancing process. Local searches are unlikely to feature in any slowing down conveyancing in Prudhoe.
Just had an offer accepted on a new build apartment in Prudhoe. 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.
Set out below are examples of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Prudhoe
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Forfeiture - bankruptcy or liquidation must not apply under this provision. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. There must be mutual enforceability of lessee’s covenants.
Are there any apps to help identify a Prudhoe law firm on the Yorkshire Building Society conveyancing panel? I am a keen cyclist and am happy to travel upto 10kilometers to meet the conveyancer.
Feel free to make use of the facility on this website. Please pick a mortgage company and your location and you will see a number of Prudhoe conveyancing lawyers located nearest you. We have listed some Prudhoe conveyancing firms towards the end of this page and you can call them to verify whether they are on the Yorkshire Building Society approved list