We were just about to sign contracts for a ground floor flat in Rufford. We encountered a stumbling block. The mortgage offer with The Royal Bank of Scotland runs out on 12/9/2025 but the vendors are suggesting a completion date of 16/9/2025. Is it possible to extend the loan offer?
The person best placed to deal with your issue is your solicitors who will hopefully calculate whether he or she is should be discussing with the mortgage company, seller’s conveyancers, selling agents or conceivably all parties taking into account the circumstances your transaction as of today.
I am told that my conveyancing solicitors will need to check that the building insurance when buying a house in Rufford. My lender is Tesco Bank
Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 12/7/2025, the requirements read as follows :
My wife and I own a 4 bedroom Georgian property in Rufford. Conveyancing lawyer acted for me and HSBC Bank. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, the second leasehold with the matching address. I thought I was buying a freehold how can I check?
You need to review 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 Rufford and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the position with the conveyancing lawyer who conducted the conveyancing.
I am buying a new build house in Rufford with a mortgage from Virgin Money. The builders would not reduce the price so I negotiated £7000 of additionals instead. The estate agent suggested that I not reveal to my conveyancer about this deal as it could jeopardize my loan with the lender. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Due to the encouragement of my in-laws I had a survey completed on a house in Rufford prior to appointing lawyers. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some lenders tend refuse to issue a mortgage on a flying freehold home.
It depends who your proposed lender is. HSBC has different instructions for example to Nationwide. Should you wish to telephone us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Rufford. Conveyancing may be slightly more expensive based on your lender's requirements.
I am using a search engine for the term cheap conveyancing in Rufford it reveals numerous property lawyersin the area. With so much choice what is the best way to find the right solicitor for purchase transaction?
The best method of seeking a suitable conveyancer is through a trusted testimonial, so seek the counsel of colleagues and family who have acquired a property in Rufford or the reputable estate agent or financial adviser. Costs for conveyancing in Rufford vary, so it's advisable to secure a minimum of three quotes from varying types of companies. Dont forget to clarify that the fees are fixed.