We are about to exchange contracts for a leasehold flat in Totterdown. We have hit a problem. Our loan offer with Santander runs out on 20/5/2026 but the sellers are suggesting a completion date of 22/5/2026. Is it possible to prolong the mortgage offer?
The best person to deal with your question is your lawyer who will hopefully assess if he or she is should be discussing with the lender, owner’s representatives, property agents or possibly all parties given the circumstances your transaction to date.
What is your number one tip for choosing a conveyancing solicitor in Totterdown
Do not opt for the cheapest Totterdown conveyancing quote. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in ahead of time.
is it true that all Totterdown conveyancing solicitors on the TSB conveyancing panel are governed by the SRA?
As a firm of solicitors, in order to be on the TSB approved list of solicitors they would need to be governed by the Solicitors Regulatory Authority. Many mortgage companies do list licenced conveyancers on their panel in which case such practice would be regulated by the Council of Licensed Conveyancers.
We expect to receive a AIP from Clydesdale this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Clydesdale recommend any Totterdown solicitors on the Clydesdale conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Totterdown solicitors independently although you'll need to choose one on the Clydesdale conveyancing panel. The solicitor represents both you and Clydesdale through the process.
A friend recommended that where I am purchasing in Totterdown I should carry out a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Totterdown conveyancing searches. It is a large report of about 40 pages, listing and detailing significant information about Totterdown around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Totterdown Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Totterdown Education with plans and statistics, Local Amenities and other useful information regarding Totterdown.
Me and my brother own a semi-detached Georgian property in Totterdown. Conveyancing solicitor represented me and Bank of Ireland. I did a free Land Registry search last week and I saw two entries: one for freehold, the second leasehold with the exact same property. Is it worth asking Bank of Ireland to clarify?
You need to read 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 Totterdown and other locations in 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 purchasers. You can also question the situation with the conveyancing solicitor who completed the work.
Yesterday I discovered that there is a flying freehold element on a property I have offered on a fortnight ago in what should have been a simple, no chain conveyancing. Totterdown is where the house is located. Can you shed any light on this issue?
Flying freeholds in Totterdown are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Totterdown you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Totterdown may determine 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 property.
What type of premises does your Totterdown conveyancing quotes apply to?
Our conveyancing quotes are only relevant to standard domestic homes in England & Wales. If you have any different needs such as industrial or agricultural property or commercial conveyancing in Totterdown you should contact us to discuss your requirements .