We were just about to sign contracts for a semi detached house in Raglan. We have hit a problem. Our loan offer with runs out on but the owners are suggesting a completion date of . Is it possible to prolong the mortgage expiry date?

The person best placed to deal with your question is your conveyancer who should assess whether he or she is should be discussing with the lender, vendor’s conveyancers, estate agents or indeed all three based on the history of your house move to date.

Please help - my lawyer says that absentee landlord insurance is necessary on my purchase. What is the typical level of cover needed for conveyancing in Raglan?

The right level of absentee landlord indemnity insurance should be dictated by who your lender. It would differ for example between and . Conveyancing practitioners as opposed to borrowers take out such policies.

How can we know in advance if a Raglan conveyancing solicitor on the panel is any good?

When it comes to conveyancing in Raglan seeking recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always suggest that you speak with the lawyer conducting your transaction.

I'm in the process of looking at apartments in Raglan and I am now considering a potential offer. Is it too early to have a solicitor in place? I am planning to take a mortgage with .

You should start requesting conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their contact information on to the estate agent. Given that you are obtaining a mortgage with , make sure you remember to check that your lawyer is on the conveyancing panel.

Over the last few months I have been searching for a ground for flat up to £195,000 and found one near me in Raglan I like with a park and station nearby, the downside is that it only has 52 years on the lease. I can't really find anything else in Raglan for this price, so just wondered if I would be making a grave error buying a short lease?

If you need a home loan that many years will be problematic. Reduce the offer by the expected lease extension will cost if it has not already been discounted. If the existing owner has owned the premises for at least twenty four months you can ask them to start the process of the extension and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing lawyer regarding this matter.

We're first time buyers - had an offer accepted, but the property agent informed us that the vendor will only issue a contract if we instruct the agent's chosen solicitors as they need an ‘expedited deal’. We would rather use a local solicitor with experience of conveyancing in Raglan

It is improbable the vendors are behind this. Should the owner desire ‘a quick sale', turning down a motivated buyer is is going to put the whole deal at risk. Contact the owners directly and make the point that (a)you are keen to buy (b)you are excited to move forward, with mortgage lined up © you have nothing to sell (d) you intend to proceed fast (e)but you intend to instruct your preferred Raglan conveyancing firm - not the ones that will provide the estate agent a kickback or achieve conveyancing targets pre-set by senior management.

Back In 2003, I bought a leasehold house in Raglan. Conveyancing and mortgage organised. A letter has just been received from someone claiming to own the reversionary interest in the property. Attached was a ground rent demand for rent dating back to 1997. The conveyancing practitioner in Raglan who previously acted has now retired. What should I do?

First contact the Land Registry to be sure that this person is in fact the registered owner of the freehold reversion. You do not need to instruct a Raglan conveyancing lawyer to do this as it can be done on-line for less than a fiver. Rest assured that regardless, even if this is the rightful landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

Raglan Leasehold Conveyancing - Sample of Questions you should consider before buying

It would be prudent to discover if the the lease includes any unreasonable restrictions in the lease. For example it is very common in Raglan leases that pets are not permitted in in a block in Raglan. If you like the apartmentin Raglan yet your cat is not allowed to move with you then you will be faced hard choice. How is the lease structured?