We were just about to exchange contracts for a garden flat in Curdworth. We encountered a problem. Our loan offer with Norwich and Peterborough Building Society expires on 11/2/2025 but the vendors are putting forward a completion date of 13/2/2025. Is it possible to prolong the mortgage expiry date?

The person best placed to address this concern is your lawyer who is in a position to calculate whether he or she is corresponding with the mortgage company, seller’s conveyancers, estate agents or conceivably all three given what has happend in your conveyancing to date.

Will my lawyer be raising enquiries about flooding as part of the conveyancing in Curdworth.

Flooding is a growing risk for solicitors specialising in conveyancing in Curdworth. Some people will purchase a house in Curdworth, fully aware that at some time, it may be flooded. However, aside from the physical damage, if a house is at risk of flooding, it may be difficult to obtain a mortgage, satisfactory building insurance, or dispose of the premises. There are steps that can be taken as part of the conveyancing process to forewarn the buyer.

Solicitors are not best placed to impart advice on flood risk, but there are a various checks that may be initiated by the purchaser or by their lawyers which can give them a better understanding of the risks in Curdworth. The conventional set of property information forms supplied to a buyer’s lawyer (where the Conveyancing Protocol is adopted) incorporates a usual question of the vendor to find out if the premises has suffered from flooding. If the residence has been flooded in past and is not disclosed by the owner, then a buyer could bring a legal claim for losses stemming from an incorrect response. The purchaser’s lawyers should also conduct an enviro report. This will indicate whether there is a recorded flood risk. If so, more detailed inquiries should be made.

Just had an offer accepted on a new build flat in Curdworth. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Curdworth

Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. 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. Please supply a car parking plan.

I decided to have a survey carried out on a house in Curdworth in advance of retaining lawyers. I have been informed that there is a flying freehold aspect to the house. My surveyor advised that some banks will refuse to give a loan on this type of premises.

It varies from the lender to lender. Bank of Scotland has different instructions for example to Birmingham Midshires. If you contact us we can look into this further with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Curdworth. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Curdworth to see if the conveyancing costs will increase in light of this.

As co-executor for the estate of my father I am selling a residence in Swansea but I am based in Curdworth. My solicitor (approximately 250 miles awayneeds me to sign a stat dec ahead of completion. Could you suggest a conveyancing solicitor in Curdworth who can witness this legal document for me?

Technically speaking you should not need to have the documents witnessed by a conveyancing solicitor. Normally any notary public or solicitor will be fine regardless of whether they are Curdworth based