We were just about to sign contracts for a ground floor flat in Seascale. We have hit a problem. The loan offer with Yorkshire Building Society runs out on 8/5/2025 but the owners are suggesting a completion date of 12/5/2025. Can one prolong the loan offer?
The person best placed to deal with your concern is your conveyancer who will hopefully determine whether they should be discussing with the bank, vendor’s representatives, estate agents or possibly all three taking into account the circumstances your conveyancing to date.
Do I need to visit the offices of the solicitor to sign the mortgage deed? If so, I will choose one who does conveyancing in Seascale so that I can attend their offices if required.
Most approved lawyers for lenders carry out the vast majority of communications through Royal Mail, e-mail or over phone calls. This means that they can undertake the conveyancing transaction regardless of where you live in the country. That being said you can check if you can still book an appointment to visit conveyancing lawyer if just in case this is required.
We are purchasing a house and the conveyancer has referenced Chancel Repair to which the property may be liable given it’s proximity to the area of such a church. She has suggested insurance. Is this really necessary for conveyancing in Seascale
Unless a previous purchase of the house completed after 12 October 2013 you can assume that solicitors delivering conveyancing in Seascale to continue to suggest a chancel search and or insurance against a claim.
Are there restrictive covenants that are commonly identified during conveyancing in Seascale?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Seascale. 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…’
Yesterday I discovered that there is a flying freehold issue on a property I have offered on last month in what should have been a quick, chain free conveyancing. Seascale is the location of the property. Can you offer any advice?
Flying freeholds in Seascale 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 Seascale you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Seascale may decide 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 residence.