We were just about to sign contracts for a garden flat in Lee On The Solent. We encountered a snag. The loan offer with Halifax expires on 24/3/2025 but the owners are suggesting a completion date of 26/3/2025. Can one prolong the mortgage offer?

The best person to deal with your concern is your conveyancer who is in a position to assess if he or she is better off negotiating with the mortgage broker, seller’s lawyers, selling agents or indeed all three taking into account the circumstances your transaction to date.

Finally the sale completed on my house in Lee On The Solent last April but our buyer keeps telephoning every few hours to moan that her conveyancer is waiting to hear from mylawyer. What are the post completion sale formalities now that I have sold?

Following your house sale your conveyancer should deliver the transfer deeds and all additional paperwork to the buyer’s conveyancer. Where relevant, your solicitor must also confirm that the legal charge in favour of the lender has been paid off to the buyers lawyers. There are no post completion steps peculiar conveyancing in Lee On The Solent.

My colleague recommended that where I am buying in Lee On The Solent I should carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is sometimes included in the estimate for your Lee On The Solent conveyancing searches. It is not a small document of more than thirty pages, listing and detailing significant information about Lee On The Solent around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Lee On The Solent Education with plans and statistics, Local Amenities and other useful data regarding Lee On The Solent.

I've recently found out that there is a flying freehold issue on a property I have offered on last month in what was supposed to be a straight forward, no chain conveyancing. Lee On The Solent is where the house is located. Can you shed any light on this issue?

Flying freeholds in Lee On The Solent are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Lee On The Solent you would need to get your solicitor to go 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 Lee On The Solent may ascertain 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 premises.

My partner and I expecting to complete buying a property in Lee On The Solent but as a result of wreckage from the recent storms I have agreed compensation from the seller of £3k by way of a reduction in the price. I had intended this to be dealt with as part of the conveyancing process yet the mortgage company will not agree to this. Why were they informed?

Your conveyancer being on a lender conveyancing panel is required to disclose to the mortgage company of any variations to the sale price. If you prohibit your property lawyer to disclose the reduction to your mortgage company then they would have to discontinue representing you and the bank.