Find a Lender-Approved Local Conveyancer in Alderley Edge

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Cheap conveyancing in Alderley Edge does not necessarily mean low quality - but the odds are stacked against you

Reasons to use our Alderley Edge conveyancing solicitors

  • 1 Alderley Edge lawyers have a crucial advantage when it comes to Alderley Edge conveyancing as they have important local knowledge of local authority requirements, planning policies and other issues that can impact your sale or purchase
  • 2 Our site offers most comprehensive residential conveyancing directory listing mortgage company approved property lawyers carrying out conveyancing in Alderley Edge regulated by the SRA or CLC.
  • 3 Personal touch together with a wealth of experience are key benefits that you should seek when selecting conveyancing solicitors. Alderley Edge property deals can become a lot more complicated as a result of lack of transparency between all the parties. The lawyers listed ensure that communication channels are open and act on arising issues and developments quickly.
  • 4 Alderley Edge conveyancers work in conjunction with Alderley Edge estate agents, house builders, surveyors, lenders and other professionals to ensure that the highest level of service is provided to buyers and sellers every step of the way, to ensure you’re kept up to date with progress all the way along
  • 5 Our site is the first site that enables you the facility to ensure that your conveyancing in Alderley Edge will be carried out by a law firm on your lender’s conveyancing panel.

Examples of recent conveyancing in Alderley Edge since January 2021*

Recently asked questions about conveyancing in Alderley Edge

I was notified yesterday by my estate agent that my Alderley Edge solicitor is not on the mortgage company Solicitor panel. What can I do to check?

The first thing you need to do is to call your Alderley Edge conveyancer. You lawyer should notify you what has happened. If they are not on the panel they may recommend you to a Alderley Edge conveyancing practice that is on the conveyancing panel for your bank.

My wife and I swapping mortgage lender for our flat in Alderley Edge with UBS. We have a son approaching twenty who lives at home. Our solicitor requested us to identify any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this form unique to the UBS conveyancing panel as he did not need to sign this form when we remortgaged 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?

On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to UBS. This is solely used to protect UBS if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of UBS had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

I have 70 years remaining on my lease and require a lease extension for my apartment in Alderley Edge. Conveyancing solicitors on the The Mortgage Works panel can deal with such extensions right?

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 20/4/2021 the requirements read as follows :

Minimum unexpired lease term is 70 years with 30 years remaining at the end of the mortgage term.
Where the unexpired lease term is different to that recorded on the mortgage offer, the following clarifies if we need to be informed:

Second hand property:
- If the unexpired lease term on the offer is 85 years or more - only advise us if the actual lease term is less than 85 years
- if the unexpired lease term on the offer is less than 85 years – advise us if the actual lease term is different than reported
- For equity share applications - advise us if the actual lease term is different than reported on the offer

New build property:
- If the unexpired lease term stated on the offer is 125 years (flat) / 250 years (house) or more - only advise us if the actual lease term is less than 125 years (flat) / 250 years (house)
- For equity share applications - always advise us if the actual lease term is different than reported on the offer

Lease terms such as ground rent and event fees must be reasonable at all times during the term of the lease and adhere to our requirements below. If you’re unsure as to whether the terms of a lease are unreasonable or onerous, please refer the details to us in plain English for Valuer consideration. If the potentially onerous terms are in relation to the ground rent please include the current ground rent figure per annum, how often it will be reviewed and the price structure it will be reviewed against. See the guidance below.

SECOND HAND PROPERTIES

Unacceptable - advise Originations (Will be declined):
- Unexpired lease term less than 70 years
- Less than 30 years remaining at the end of the mortgage term
- Ground Rent greater than 0.5% of the property value
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI
- Ground Rent review period less than or equal to 5 years

Refer to Originations (Valuer will consider any impact on valuation figure and marketability):
- Unexpired lease term is 70 to 85 years
- Ground Rent greater than 0.1% and less than or equal to 0.5% of the property value
- Ground Rent escalation is linked to any indices greater than RPI
- Ground Rent escalation is linked to the value of the building*
- Ground Rent review period is greater than 5 and less than 10 years
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything that appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Originations):
- Unexpired lease term greater than 85 years
- Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than or equal to 10 years
- Ground Rent escalation less than or equal to RPI

NEW BUILD PROPERTIES (includes office conversions)

Unacceptable - advise Originations (Will be declined):
- Unexpired lease term less than 125 years on a new build flat or less than 250 years on a new build house
- Starting Ground Rent greater than 0.1% of the property value
- Ground Rent review period less than or equal to 5 years
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI

Refer to Originations (Valuer will consider any impact on valuation figure and marketability):
- Ground Rent is linked to any indices greater than RPI
- Ground Rent is linked to the value of the building*
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 0.5% of property value p/a (please provide details of what the charges cover)
- Anything else appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Originations):
- Unexpired lease term greater than or equal to 125 years on a new build flat or greater than or equal to 250 years on a new build house
- Starting Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than 5 years
- Ground Rent escalation less than or equal to RPI

* Where the Ground Rent escalation is linked to the value of the building, please provide the following:
- How is the value of the block/unit currently calculated and if the assessment relates to the block(s), how is the Ground Rent calculated/apportioned per property?
- The current valuation and Ground Rent for each unit
- What is the mechanism for future valuations of the block and how is the Ground Rent calculated/apportioned?
- What is the right of appeal? And is this a documented process within the lease?
- Who bears the cost of the valuation (and appeal) process?
- Confirmation the review period is not less than twenty years

Have purchased a a terraced house in Alderley Edge , how long should it take for the Land Registry to register my proprietorship? My Alderley Edge conveyancing solicitor works at snail pace, so I want to be sure the registration formalities are dealt with.

As far as conveyancing in Alderley Edge registration is no faster or slower than anywhere else in the country. Rather than based on location, timescales can vary according to the party submitting the application, whether there are errors and whether the Land registry must send notices to any interested parties. At present approximately three quarters of such applications are fully addressed in less than three weeks but occasionally there can be protracted hold-ups. Registration is effected once the purchaser is living at the property therefore 'speed' is not typically top priority yet where there is a degree of urgency associated with the registration then you or your conveyancer should contact the land registry and explain the circumstances.

Just had an offer accepted on a new build flat in Alderley Edge. 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 legal work.

Set out below is a sample of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Alderley Edge

    The Landlord must covenant to assume the management if the Management Company goes into liquidation or otherwise defaults in running the management scheme. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? There must be mutual enforceability of lessee’s covenants. 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. Please supply evidence that the form of Lease proposed has been approved by the Land Registry.

As co-executor for the will of my father I am selling a property in Swansea but live in Alderley Edge. My conveyancer (approximately 300 kilometers from mehas requested that I execute a statutory declaration ahead of completion. Can you recommend a conveyancing practitioner in Alderley Edge who can attest and place their company stamp on the document?

strictly speaking you should not need to have the documents witnessed by a conveyancing solicitor. Ordinarily or notary public or solicitor will be fine regardless of whether they are based in Alderley Edge

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Sample of conveyancing solicitors in Alderley Edge regulated by the SRA

It is important to note that the listed firms do not limit their work for conveyancing in Alderley Edge but also conveyancing throughout England and Wales.

  • Chafes Solicitors Llp, 32 London Road, Alderley Edge, Cheshire, SK9 7DZ
  • Nova Private Client Llp, The Lodge, Alderley Road, Wilmslow, Cheshire, SK9 1RA
  • Richardson Law Limited, 84 Chapel Lane, Wilmslow, Cheshire, SK9 5JH
  • Bott And Co Solicitors Limited, St Anns House, Parsonage Green, Wilmslow, Cheshire, SK9 1HG
  • Jackson Barrett & Gass Ltd, Smithy Annexe, 112 Adlington Road, Wilmslow, Cheshire, SK9 2LN

Residential Landlord and Tenant Conveyancing solicitors in Alderley Edge

The firms listed below are a small selection of solicitors in Alderley Edge specialising in landlord and tenant law and on the regulations governing different types of tenancies. This will likely include advice on Service charge disputes

  • Chafes Solicitors Llp, 32 London Road, Alderley Edge, Cheshire, SK9 7DZ
  • Richardson Law Limited, 84 Chapel Lane, Wilmslow, Cheshire, SK9 5JH
  • Flahive Law Limited, Suite C, 63a Alderley Road, Wilmslow, Cheshire, SK9 1NZ
  • Jackson Barrett & Gass Ltd, Smithy Annexe, 112 Adlington Road, Wilmslow, Cheshire, SK9 2LN
  • Bramhall Solicitors, Errwood House, 212 Moss Lane, Bramhall, Stockport, Cheshire, SK7 1BD

Domestic Licensed Conveyancers in Alderley Edge regulated by the Council of Licensed Conveyancers

Please note that the listed conveyancers do not limit their work for conveyancing in Alderley Edge but also conveyancing throughout England and Wales.
  • D R Dunkerley & Co , Property Lawyers, SK12 1RD

*Source acknowledgement: House price data produced by Land Registry as well data supplied by Lexsure Ltd.

© Crown copyright material is reproduced with the permission of Land Registry under delegated authority from the Controller of HMSO.