We were just about to exchange contracts for a leasehold flat in Ormesby. We encountered a stumbling block. Our loan offer with Skipton Building Society runs out on 10/2/2025 but the sellers are insisting on a completion date of 12/2/2025. Can one prolong the mortgage expiry date?
The best person to deal with your concern is your conveyancer who is in a position to assess whether they should be discussing with the mortgage broker, seller’s representatives, property agents or conceivably all parties taking into account the circumstances your conveyancing to date.
I am assisting my step-mother sell her property in Ormesby. Will the conveyancer arrange an EPC or it is for the seller to coordinate?
After the abolition of HIPs, energy performance certificates remained a mandatory part of moving house. An energy performance certificate must be commissioned in advance of the property being placed on the market. It is not something that lawyers normally arrange. Where you are using a Ormesby conveyancing practitioner they may be willing to arrange energy assessments given their relationships with reputable local providers
My uncle advised me that in purchasing a property in Ormesby there may be various restrictions prohibiting external changes to the property. Is this right?
There are anumerous of properties in Ormesby which have some sort of restriction or requirement of consent to carry out external alterations. Part of the conveyancing in Ormesby should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am purchasing a 3 bedroom semi in Ormesby. We would like to carry out an extension to the side at the property.Will the conveyancing process include investigations to ascertain if these works are allowed?
Your conveyancer should review the registered title as conveyancing in Ormesby can on occasion reveal restrictions in the title deeds which prohibit categories of alterations or require the consent of another owner. Certain additions need local authority planning permissions and approval in accordance building regulations. Some areas are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these issues with a surveyor prior to committing yourself to a purchase.
My wife and I own a terraced Georgian property in Ormesby. Conveyancing solicitor acted for me and Lloyds TSB Bank. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold under the matching address. Is it worth asking Lloyds TSB Bank to clarify?
You should read the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Ormesby and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the situation with your conveyancing lawyer who conducted the work.
Do I need to be wary about brokers that I am dealing with are recommending a national conveyancing firm rather than a local Ormesby conveyancing company?
As with many professional services, often input from relatives can be worth their weight in gold. But there are lots of parties with a keen interest in a conveyancing transaction; estate agents, financial adviser and lenders might all recommend solicitors to appoint. Sometimes the conveyancers might be known to one of the organisations as experts in their field, but sometimes there is an underlying commercial relationship behind the recommendation. You are at liberty to appoint your preferred lawyer. You need to be aware that most lenders specify a panel list of lawyers you are obliged to use for the lender related work in your house move.
My husband and I are new on the property ladder - agreed a price, but the selling agent advised that the vendor will only issue a contract if we appoint their preferred conveyancers as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a family conveyancer accustomed to conveyancing in Ormesby
We suspect that the seller is not behind this demand. Should the vendor desire ‘a quick sale', turning down a genuine buyer is not the way to achieve this. Avoid the agents and go straight to the sellers and make sure they understand (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you have nothing to sell (d) you wish to move quickly (e)however you intend to use your own,trusted Ormesby conveyancing solicitors - not the ones that will earn the estate agent a kickback or hit his conveyancing thresholds pre-set by senior management.