We are about to sign contracts for a leasehold flat in South Normanton. We have hit a stumbling block. The mortgage offer with Platform Home Loans Ltd expires on 19/6/2025 but the sellers are suggesting a completion date of 23/6/2025. Can one extend the mortgage offer?
The best person to address this issue is your conveyancer who will hopefully determine whether he or she is should be discussing with the mortgage broker, seller’s solicitors, property agents or indeed all parties taking into account the history of your transaction to date.
As someone clueless as to the South Normanton conveyancing process what is the number one tip you can impart concerning the legal transfer of property in South Normanton
You may not hear this from too many lawyers but conveyancing in South Normanton and elsewhere in Derbyshire is often a confrontational process. Put another way, when it comes to conveyancing there is lots of room for friction between you and others involved in the legal transfer of property. For instance, the vendor, estate agent and sometimes your lender. Appointing a solicitor for your conveyancing in South Normanton should not be taken lightly as your conveyancer is your adviser, and is the ONLY party in the legal process whose responsibility is to protect your best interests and to protect you.
We are witnessing a distinct increase in the "blame" culture- someone must be at fault for the process being so protracted. We recommend that you must always trust your conveyancer above all other parties in the conveyancing process.
Me and my brother have a semi-detached Victorian property in South Normanton. Conveyancing lawyer acted for me and Halifax. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, the second leasehold with the exact same property. I'd like to know for sure, how can I find out??
You need to 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 South Normanton and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also question the position with your conveyancing solicitor who conducted the conveyancing.
Yesterday I discovered that there is a flying freehold element on a house I put an offer in a fortnight ago in what should have been a straight forward, no chain conveyancing. South Normanton is the location of the property. Can you offer any advice?
Flying freeholds in South Normanton are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in South Normanton you must be sure that your lawyer goes through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in South Normanton may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
In my capacity as executor for the will of my grandfather I am disposing of a property in Monmouth but live in South Normanton. My solicitor (approximately 250 kilometers from meneeds me to sign a stat dec before completion. Can you recommend a conveyancing practitioner in South Normanton who can attest and place their company stamp on the document?
strictly speaking you are unlikely to be required to have the documents witnessed by a conveyancing solicitor. Normally any notary public or solicitor will be fine regardless of whether they are based in South Normanton
Can I find out who owns a property in South Normanton?
As long as the premises is recorded at HM Land Registry, and you have enough information of the address of the property, you should be able to obtain details from the HM Land Registry of the recorded proprietor for a for less than a fiver.