We are a couple about to exchange contracts for a leasehold flat in Westerham. We have hit a problem. Our loan offer with Yorkshire Building Society expires on 17/11/2025 but the vendors are putting forward a completion date of 19/11/2025. Is it possible to prolong the loan offer?

The best person to address this concern is your conveyancer who is in a position to calculate if he or she is corresponding with the mortgage company, owner’s solicitors, selling agents or indeed all three given what has happend in your house move to date.

I need some fast conveyancing in Westerham as I have pressure to complete in less than 4 weeks. A home loan is not required. Can I avoid the conveyancing searches to save fees and time?

If.Given you are not taking a home loan you have the choice not to have searches conducted although no solicitor would advise that you don't. Drawing on our experience of conveyancing in Westerham the following are instances of what can crop up and adversely impact future mortgageability: Refused Planning Applications, Outstanding Fees, Outstanding Grants, Railway Schemes,...

Over the last few months I have been searching for a leasehold apartment up to £245,000 and found one round the corner in Westerham I like with a park and station nearby, however it's only got 49 years on the lease. I can't really find anything else in Westerham for this price, so just wondered if I would be making a grave error buying a lease with such few years left?

If you require a home loan the shortness of the lease will be problematic. Reduce the price by the amount the lease extension will cost if it has not already been discounted. If the current proprietor has owned the premises for at least 2 years you could ask them to commence the lease extension formalities and then assign it to you. You can add 90 years to the existing lease term and have £0 ground rent by law. You should consult your conveyancing solicitor concerning this.

How easy is it to use your search tool to find a conveyancing solicitor in Westerham on the authorised to act for my lender?

Step one is to select a lender such as Lloyds TSB Bank, Leeds Building Society or Godiva Mortgages Ltd then type in your preferred area such as Westerham. Conveyancing organisations in Westerham and nationally should be identified.

I only have 62 years unexpired on my flat in Westerham. I now wish to get lease extension but my landlord is can not be found. What options are available to me?

If you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can submit an application to the County Court for an order to dispense with the service of the initial notice. This will enable the lease to be lengthened by the Court. However, you will be required to demonstrate that you have used your best endeavours to locate the freeholder. On the whole an enquiry agent may be helpful to conduct investigations and prepare a report which can be used as proof that the landlord is indeed missing. It is wise to seek advice from a conveyancer in relation to devolving into the landlord’s disappearance and the vesting order request to the County Court covering Westerham.

Leasehold Conveyancing in Westerham - Examples of Queries Prior to Purchasing

What is the name of the managing agents? For most Westerham leaseholds the cost for major works are not included within maintenance charges, albeit that some managing agents in Westerham require leasehold owners to pay into a reserve fund created for the specific intention of establishing a fund for major repairs or maintenance.