We are a couple about to exchange contracts for a ground floor flat in Emerson Park. We have hit a stumbling block. The mortgage offer with Accord Mortgages Ltd expires on 2/11/2026 but the vendors are putting forward a completion date of 4/11/2026. Can one extend the mortgage offer?
The best person to address this question is your conveyancer who should determine whether he or she is better off negotiating with the mortgage broker, vendor’s solicitors, property agents or indeed all three taking into account the history of your conveyancing to date.
My grandfather passed away six months ago and as sole heir and executor I was left the property in Emerson Park. The house had a relatively small loan remaining of approximately £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Skipton, pay off the mortgage. Is this allowed?
Given you plan to re-mortgage then Skipton will require that you use a conveyancer on the Skipton conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Skipton conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Skipton mortgage is registered as a charge at the Land Registry.
My bid for a property was accepted at auction in Emerson Park. Conveyancing is necessary. What is next?
Given that you have now legally bound yourself to purchase you will need to instruct a conveyancing lawyer quickly as you are facing a pending deadline in which to complete the property. All auction property should have a bespoke legal pack. This should include the copy title deeds, local authority and drainage searches. Where you are dealing with leasehold property the conveyancing pack should provide a copy of the lease, management information and a sellers leasehold information form and associated conveyancing paperwork relating to a leasehold property. You should give this to your appointed conveyancing solicitor at the earliest opportunity. Do make sure that your finances are in order to complete the transaction on the set completion date.
I am buying a property in Emerson Park. One unusual aspect is that the roof has a solar panel. Santander have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Santander your lawyer must follow the formal requirements set out in Section 2 of UK Finance Lenders’ Handbook for Santander. The CML Handbook sets out minimum requirements for solar panel roof-space leases, and solicitors are required to report to Santander where a lease does not meet these provisions. The conditions relate to the installation of panels on properties in England and Wales and is not restricted to Emerson Park.
After months of negotiation I have agreed a price on an apartment in Emerson Park. My financial adviser suggested a lawyer. I paid an upfront payment of £150. A few days later, the property lawyer called me sheepishly admitting that they were not on the Skipton conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Skipton panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
What will a local search inform me about the property we're purchasing in Emerson Park?
Emerson Park conveyancing often commences with the submitting local authority searches directly from your local Authority or via a personal search organisations for instance Searches UK The local search plays an important part in many a Emerson Park conveyancing purchase; that is if you wish to avoid any unpleasant surprises after you move into your new home. The search will supply data on, amongst other things, details on planning applications relevant to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject headings.
I used Action Conveyancing a few years past for my conveyancing in Emerson Park. I now require my file but the law firm is no longer operating. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Emerson Park of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am looking for a leasehold apartment up to £245,000 and found one near me in Emerson Park I like with open areas and transport links nearby, the downside is that it's only got 49 years on the lease. There is not much else in Emerson Park suitable, so just wondered if I would be making a mistake buying a lease with such few years left?
Should you need a home loan that many years will likely be a potential deal breaker. Discount the offer by the amount the lease extension will cost if it has not already been discounted. If the current owner has owned the property for at least twenty four months you may request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the current lease with a zero ground rent applied. You should consult your conveyancing solicitor regarding this matter.