We were just about to sign contracts for a ground floor flat in North West London. We encountered a problem. The mortgage offer with Clydesdale runs out on 16/10/2025 but the sellers are suggesting a completion date of 20/10/2025. Is it possible to prolong the mortgage expiry date?

The person best placed to address this question is your solicitors who will assess whether they should be discussing with the mortgage broker, owner’s solicitors, estate agents or possibly all three given what has happend in your house move as of today.

Finally the sale completed on my house in North West London last June but our buyer keeps telephoning every few hours complaining that his lawyer needs to hear from mysolicitor. What are the post completion sale formalities now that I have sold?

Following your house sale your lawyer should send the transfer deeds and all additional paperwork to the purchaser's lawyers. Depending on the transaction, your solicitor must also confirm that the home loan has been repaid to the purchasers conveyancers. There are no post completion formalities peculiar conveyancing in North West London.

I have todayfound out that Wolstenholmes have closed. They conducted my conveyancing in North West London for a purchase of a leasehold apartment 10 months ago. How can I be sure that the property is not still registered in the name of the previous owner?

The quickest method to see if the property is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of North West London conveyancing specialists.

I'm purchasing a new build house in North West London benefiting from help to buy. The developers refused to reduce the amount so I negotiated five thousand pounds worth of extras instead. The sale representative suggested that I not to tell my solicitor about this deal as it would impact my mortgage with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I decided to have a survey completed on a house in North West London ahead of appointing conveyancers. I have been told that there is a flying freehold element to the house. My surveyor has said that some mortgage companies will not grant a loan on such a property.

It depends who your proposed lender is. HSBC has different instructions for example to Halifax. If you contact us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in North West London. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in North West London to see if the conveyancing will be more expensive.