As someone not used to the Congleton conveyancing process what’s the number one tip you can give me concerning the legal transfer of property in Congleton
You may not hear this from too many lawyers but conveyancing in Congleton or throughout Cheshire is an adversarial process. In other words, when it comes to conveyancing there is an abundance of opportunity for conflict between you and other parties involved in the transaction. For instance, the vendor, estate agent and even potentially a lender. Choosing a solicitor for your conveyancing in Congleton is a critical decision as your conveyancer is your adviser, and is the ONE person in the legal process whose responsibility is to protect your legal interests and to keep you safe.
On occasion a potential adversary will try and convince you that you should follow their advice. For instance, the estate agent may claim to be assisting by claiming that your solicitor is dragging his heels. Or your financial adviser may advise you to do take action that is contrary to your conveyancers advice. You should always trust your lawyer above all other parties when it comes to the legal transfer of property.
We are getting the release of further monies on our mortgage from Aldermore as we wish to conduct alterations to our house in Congleton. Do we need to choose a high street Congleton solicitor on the Aldermore conveyancing panel to handle the paperwork?
Aldermore would not normally appoint a member of their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Aldermore list.
I have decided to exercise my right to buy my property in Congleton off the council. I have a mortgage offer with Aldermore. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Aldermore, you will need to appoint a solicitor on the Aldermore conveyancing panel.
Completion of my remortgage has taken place for my property in Congleton. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I need some fast conveyancing in Congleton as I am under an ultimatum to exchange contracts in less than 2 weeks. Fortunately I do not require a mortgage. Is it possible to escape the need for conveyancing searches to save fees and time?
If.Given you are not obtaining a mortgage you are at liberty not to have searches carried out although no conveyancer would recommend that you don't. Drawing on years of experience of conveyancing in Congleton the following are instances of what can arise and therefore affect future mortgageability: Enforcement Notices, Overdue Charges, Overdue Grants, Railway Schemes,...
How does conveyancing in Congleton differ for newly converted properties?
Most buyers of new build premises in Congleton come to us having been asked by the developer to exchange contracts and commit to the purchase even before the property is completed. This is because developers in Congleton tend to purchase the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Congleton or who has acted in the same development.
I've recently found out that there is a flying freehold element on a house I have offered on last month in what should have been a straight forward, no chain conveyancing. Congleton is where the house is located. Is there any guidance you can give?
Flying freeholds in Congleton are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Congleton you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Congleton may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the bank conveyancing panel. My lawyer has said that they are on the lender approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the mortgage company conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the lender solicitor panel.