We were just about to exchange contracts for a property in Chorley. We encountered a stumbling block. Our loan offer with Norwich and Peterborough Building Society runs out on 31/3/2025 but the sellers are insisting on a completion date of 2/4/2025. Can one extend the mortgage offer?

The person best placed to address this concern is your conveyancer who will hopefully assess if they better off negotiating with the lender, vendor’s representatives, property agents or indeed all parties taking into account the history of your transaction as of today.

We wanted to use a conveyancing solicitor in Chorley for our house move. Our broker informed us that our bank Santander won't deal with them. Why is this not regarded as unduly restrictive?

A bank can require a panel conveyancer act for it. Borrowers are expected to meet the cost of this. Try using our search facility to select a solicitor to conduct conveyancing in Chorley on the Santander approved list of solicitors.

About to purchase a new build apartment in Chorley. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here are examples of a few leasehold new build questions that you can expect your new-build leasehold conveyancing in Chorley

Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.

I opted to have a survey completed on a house in Chorley in advance of instructing solicitors. I have been advised that there is a flying freehold aspect to the house. The surveyor has said that some mortgage companies will not grant a loan on a flying freehold premises.

It varies from the lender to lender. Lloyds has different requirements from Halifax. 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 used to dealing with flying freeholds in Chorley. Conveyancing may be slightly more expensive based on your lender's requirements.

My uncle has suggested that I use his conveyancing solicitors in Chorley. Should I use them?

Much as we are happy to recommend a Chorley conveyancing lawyer the ideal way to find a conveyancing lawyer is to get recommendations from friends or relatives who have experience in using the solicitor that you are considering.