We are a couple about to exchange contracts for a freehold house in Windlesham. We encountered a problem. Our loan offer with Skipton Building Society runs out on 24/4/2026 but the vendors are insisting on a completion date of 28/4/2026. Is it possible to prolong the loan expiry date?
The person best placed to address this question is your solicitors who should calculate whether they should be discussing with the mortgage company, seller’s lawyers, property agents or indeed all parties based on the history of your house move as of today.
Please explain the implications if my solicitor is suspended from the Yorkshire BS Solicitor panel ahead of completing my conveyancing in Windlesham?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have to instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by a regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
Are there restrictive covenants that are commonly identified as part of conveyancing in Windlesham?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Windlesham. 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…’
I am purchasing my first flat in Windlesham with a mortgage from Coventry Building Society. The builders refused to reduce the price so I negotiated five thousand pounds worth of additionals instead. The house builders rep told me not reveal to my lawyer about the deal as it may adversely affect my loan with the bank. 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.
I am looking for a conveyancing practitioner in Windlesham for my house move. Is there any facility to review a firm’s complaints history with the legal regulator?
Anyone can find presented Solicitor Regulator Association (SRA) determinations arising from inquisitions from 2008 onwards. Visit Check a solicitor's record. For information about the period before 1 January 2008, or to check a solicitors history, telephone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. International callers, dial +44 (0)121 329 6800. The SRA could monitor telephone calls for training purposes.
Frank (my husband) and I may need to let out our Windlesham ground floor flat for a while due to taking a sabbatical. We used a Windlesham conveyancing practice in 2003 but they have closed and we did not have the foresight to get any guidance as to whether the lease allows us to sublet. How do we find out?
A small minority of properties in Windlesham do contain a provision to say that subletting is only allowed with permission. The landlord is not entitled to unreasonably refuse but, in such cases, they would need to see references. Experience suggests that problems are usually caused by unsatisfactory tenants rather than owner-occupiers and for that reason you can expect the freeholder to take up the references and consider them carefully before granting permission.
Leasehold Conveyancing in Windlesham - A selection of Queries Prior to Purchasing
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The prefered form of lease structure is if the freehold title is in the ownership of the leaseholders. In this scenario the tenants have being in charge if their destiny and although a managing agent is often employed where it is bigger than a house conversion, the managing agent retained by the leaseholders. In the main the outlay for major works are not incorporated into the maintenance charges, albeit that there some managing agents in Windlesham require leasehold owners to contribute towards a reserve fund and this is used to offset against major works. Who manages the building?