We were just about to exchange contracts for a garden flat in Queensferry. We have hit a problem. The loan offer with Barnsley Building Society expires on 10/11/2025 but the sellers are suggesting a completion date of 12/11/2025. Is it possible to extend the mortgage expiry date?
The person best placed to deal with your issue is your conveyancer who will hopefully assess if he or she is should be discussing with the lender, vendor’s representatives, selling agents or conceivably all parties given the circumstances your house move as of today.
About to place a bid on a leasehold flat in Queensferry. The property agents tell me that it is standard for flats in Queensferry to have less than 75 years unexpired on the lease. I am obtaining a mortgage with Tesco Bank. Is this going to be acceptable if the lease has Seventy One years left.
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. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 9/9/2025 the requirements read as follows :
My uncle informed me that in buying a property in Queensferry there may be various restrictions affecting the ability to carry out external changes to a property. Is this right?
We are aware of a number of properties in Queensferry which have some sort of restriction or requirement of consent to external changes. Part of the conveyancing in Queensferry should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am currently in the process of buying my council flat in Queensferry. I have a mortgage offer with RBS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with RBS, you will need to appoint a solicitor on the RBS conveyancing panel.
My offer was accepted on an apartment in Queensferry on 25/7/2025, valuation was booked five days after, received a clean bill of health. Conveyancer instructed, so all that was missing was my mortgage offer. Having made daily calls to Bank of Ireland and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Bank of Ireland conveyancing panel. Can the lender hold off the offer?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Bank of Ireland to deal with your lawyer's application to be on the Bank of Ireland conveyancing panel. There's no guarantee that your solicitor will be accepted.
Have completed on a a semi-detached house in Queensferry , What is the estimated time for the Land Registry to deal with the formalities evidencing my ownership? My Queensferry conveyancing solicitor has been painfully slow, so I want to check the registration is dealt with.
There is nothing unique when it comes to conveyancing in Queensferry registration formalities. As opposed to being determined by geographic area, timescales can adjust according to who lodges the application, whether it is in order and whether the Land registry communicate with any third persons or bodies. As of today approximately three quarters of such applications are completed in less than three weeks but occasionally there can be extensive hold-ups. Registration takes place once the new owner has moved in to the property so post completion formalities is not typically primary concern yet where there is a degree of urgency associated with the registration then you or your conveyancer must contact the land registry and explain the circumstances.
Just had an offer accepted on a new build flat in Queensferry. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Here is a sample of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Queensferry
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Please confirm the Lease plans are architect prepared. There must be mutual enforceability of lessee’s covenants. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. 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 Vendor must covenant to keep unsold units in good repair until long leases are granted therefore.
Why can I not complete my conveyancing in Queensferry on Easter Monday?
This is due to the fact that on completion the money will pass between the banks of the purchaser and owner’s lawyer and at present this can only occur on a working day. So you can't complete on a saturday or sunday either.