Can the conveyancing lawyers revealed via your ’find a lawyer’ tool handle right to buy conveyancing in Cheshire?
We work with a variety of conveyancing specialists carrying out right to buy conveyancing You should contact the lawyers listed with a view to get a costs calculation.
When it comes to lenders such as Lloyds, do Cheshire property lawyers face a fee to be on the conveyancing panel?
We are unaware of any lender fees to be on their panel, although some do charge an administration charge to deal with the processing of the conveyancing panel application.
Completion of my purchase has taken place for my property in Cheshire. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
It is not clear whether my lender requires a lease extension. I have telephoned my Cheshire building society branch on a couple of occasions and was reassured it wasn't an issue and they would lend. My Cheshire conveyancing solicitor - who is on the lender conveyancing panel- called and was told they would not lend based on their specific requirements. I have no idea who is right.
Your conveyancer must follow the CML Handbook Part 2 requirements for your bank. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years remaining.
Just bought a detached house in Cheshire , how long should it take for the Land Registry to record my ownership? My Cheshire conveyancing solicitor works at snail pace, so I want to check the registration is dealt with.
As far as conveyancing in Cheshire is concerned, registration is no quicker or slower than the rest of England and Wales. Rather than based on location, timescales can differ according to the party submitting the application, whether there are errors and if the Land registry must send notices to any other parties. At present approximately 80% of such applications are fully dealt with within 12 days but occasionally there can be extensive delays. Historically registration takes place once the new owner has moved in to the premises thus 'speed' is not usually top priority yet where there is a degree of urgency associated with the registration then you or your solicitor should communicate with the Registry to express the reasoning for an expedited registration.
About to purchase a new build apartment in Cheshire. Conveyancing is a frightening process at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.
Set out below are examples of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Cheshire
-
Please confirm the Lease plans are surveyor prepared. There must be mutual enforceability of lessee’s covenants. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.
I'm refinancing my existing house to a buy to let mortgage with Virgin Money and I will use the ballance of the raised equity as a deposit on a second property. The location we are interested in is Cheshire. Will your lawyers be able to act for the two lenders and tie in the conveyances?
Make use of our comparison tool on this site to check that the lawyers are on the appropriate lender panels. On the basis that they are your solicitor will be able to connect the two transactions but you should have a chat with you conveyancer and make apparent your desired outcome and needs.
Are there frequently found defects that you encounter in leases for Cheshire properties?
There is nothing unique about leasehold conveyancing in Cheshire. Most leases are unique and drafting errors can result in certain provisions are not included. For example, if your lease is missing any of the following, it could be defective:
-
Clauses dealing with recovering service charges for expenditure on the building or common parts. A provision to repair to or maintain parts of the building
You may encounter difficulties when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Accord Mortgages Ltd, Coventry Building Society, and Alliance & Leicester all have express requirements when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is problematic they may refuse to grant the mortgage, forcing the purchaser to withdraw.
Cheshire Leasehold Conveyancing - Sample of Questions you should ask before Purchasing
-
This information is useful as a) areas could result in problems in the block as the communal areas may begin to deteriorate where services are not paid for b) if the leasehold owners have an issue with the managing agents you will need to know about it Make sure you discover if the the lease contains any onerous restrictions in the lease. By way of example some leases prohibit pets being permitted in in a block in Cheshire. If you love the propertyin Cheshire yet your cat can’t make the move with you then you will be presented with a difficult determination.