max99

Hi all, I'm new here but having read so many useful threads this looks an awesome place to ask for some advice I'm trying to buy a house for my family but its turning very complicated. The house is semi-detached and has a large garden but half of this garden isn't owned by the same seller of the house. We're purchasing the leasehold house with around 75 years left from Seller A From Seller B we're purchasing the freehold to this house and a bit of land that makes the house's garden a good size. Seller B wants to put a 50% overage on the land on the basis it can't be severed from the house We will only be using the land for garden, no plans to ever split it, planning on it would be extremely difficult to get The sale of both will complete on the same day at the same time by solicitors. Questions, We ideally want to get a mortgage on the property as a freehold property with the land being included. We've spoken to 2 high street lenders and both have said they'll likely not lend as it'll be seen as two separate transactions, anyone know if we're going to be able to do this? Will the overage on the land be an issue for us in mortgage terms? Will the overage and if the house and land are on different titles affect the future sale of the property? Finally, there may be an option to change the overage to a covenant... would that help? Sorry for so many questions, just trying to get my head around it all (I have a solicitor who i'll also be asking this too, but he's hard to get hold of!) Thanks in advance for any help