We are about to exchange contracts for a ground floor flat in Charterhouse. We have hit a problem. The mortgage offer with HSBC Bank expires on 16/3/2026 but the owners are suggesting a completion date of 18/3/2026. Is it possible to prolong the loan expiry date?
The best person to deal with your question is your solicitors who is in a position to determine whether they should be discussing with the lender, owner’s representatives, property agents or indeed all parties based on the circumstances your house move as of today.
I am the registered owner of a freehold residence in Charterhouse but still charged rent, why is this and what is this?
It is rare for properties in Charterhouse and has limited impact for conveyancing in Charterhouse but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the establishment of fresh rentcharges post 1977.
Old rentcharges can now be redeemed by making a one off payment under the Act. Any rentcharges that are still in existence after 2037 is to be dispensed with completely.
Are there restrictive covenants that are commonly picked up as part of conveyancing in Charterhouse?
Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Charterhouse. 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…’
I need to instruct a conveyancing practitioner in Charterhouse for my home move. Can I check a firm’s record with the legal regulator?
You can review published Solicitor Regulator Association (SRA) determinations resulting from inquisitions from 2008 onwards. Go to Check a solicitor's record. To find information about the period before 1 January 2008, or to check a solicitors history, call 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, dial +44 (0)121 329 6800. The regulator sometimes recorded call for training reasons.
Living abroad I am unable to attend my Charterhouse conveyancing practitioners office to execute documents connected to my conveyancing in Charterhouse – will this be problematic?
No. Charterhouse conveyancing solicitors can handle home moves for clients nationally. You are unlikely to be required to visit a Charterhouse conveyancers office. Almost all property lawyer can handle everything remotely from their Charterhouse office.