We were just about to exchange contracts for a leasehold flat in Wilberfoss. We have hit a problem. Our mortgage offer with Alliance & Leicester runs out on 26/2/2026 but the owners are putting forward a completion date of 2/3/2026. Can one prolong the mortgage expiry date?
The best person to deal with your issue is your lawyer who is in a position to determine whether he or she is better off negotiating with the bank, seller’s solicitors, estate agents or conceivably all parties given the circumstances your house move as of today.
My wife and I are selling our home in Wilberfoss and according to the buyers it appears that there is a possibility that the property was constructed land that was not decontaminated. Any high street Wilberfoss lawyer would know that there is no such problem. For the life of me I don't know why the purchasers are using a web based conveyancing firm as opposed to a conveyancing solicitor in Wilberfoss. We have lived in Wilberfoss for 5 years we know that this is a non issue. Is it a good idea to get in touch with our local Authority to seek clarification that the buyers are looking for.
It would appear that you have a conveyancing firm currently acting for you. Are they able to advise? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
Are there restrictive covenants that are commonly picked up as part of conveyancing in Wilberfoss?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Wilberfoss. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How does conveyancing in Wilberfoss differ for newly converted properties?
Most buyers of new build property in Wilberfoss come to us having been asked by the developer to sign contracts and commit to the purchase even before the property is finished. This is because house builders in Wilberfoss tend to purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Wilberfoss or who has acted in the same development.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on last month in what was supposed to be a quick, no chain conveyancing. Wilberfoss is where the house is located. Is there any advice you can give?
Flying freeholds in Wilberfoss are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Wilberfoss you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Wilberfoss 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.
My husband and I are purchasing a studio flat in Wilberfoss. When we first instructed property lawyer, we were told they were on all major UK bank panels. Our financial adviser called yesterday to say that they are not on the Yorkshire BS approved list. If it turns out to be true, what should we do? Do we just find a different conveyancer that is on their panel or should we cover the costs for separate representation, with Yorkshire BS appointing their own approved lawyer.
When buying a property with mortgage finance it is conventional for the purchaser’s lawyers to also represent the purchaser's lender. In order to act for a bank or building society a lawyer has to be on that lender's list of approved lawyers. An application has to be made by the conveyancing practitioner to the lender to become a member of the lender's panel and there are increasingly strict criteria which the property lawyer has to fulfill. Some mortgage companies now require their panel firms to be part of the Law Society’s Conveyancing Accreditation Scheme. Your lawyer should call Yorkshire BS and see if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on Yorkshire BS's conveyancing panel and you may continue to use your own Wilberfoss solicitors, in which case your legal fees may increase, and it may delay matters as you have another set of people involved.