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Conveyancing in Congleton : Keep it Local

Reasons to use our Congleton conveyancing solicitors

  • 1 Using a high street Solicitor in the main results in a more personal touch. When using a large conveyancing firm, you tend to be looked after by a team of people who who update you by determining whether the ‘computers says no’.
  • 2 Over the years Congleton solicitor have developed very good connections with Congleton local estate agents, banks, building societies, landlords and property developers enabling them to liaise at speed with all parties involved in the process of handling your home move in Congleton.
  • 3 Conveyancer conveyancing firms have very good personal connections with Congleton estate agents and work very closely with them and local surveyors so as to ensure transactions proceed expeditiously.
  • 4 Firms that specialise in conveyancing in Congleton are familiar with the local concerns specific to Congleton and therefore you may benefit from better guidance and faster conveyancing.
  • 5 Low cost packages from online conveyancers might seem attractive. However, these organisations are often located many miles away with little understanding of the factors that affect property transactions in Congleton

Examples of recent conveyancing in Congleton since January 2021*

Recently asked questions about conveyancing in Congleton

Our son-in-law is in the process of securing a new build apartment in Congleton with a mortgage from Santander. His lawyer has said that there is a delay in completing the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?

The document is intended to provide information to the main parties involved in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Santander conveyancing panel as a standard part of the process, and to the surveyor when requested. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Santander conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

we are a couple who wish to acquire a 2 bedroom apartment in Congleton with a loan from Platform Home Loans Ltd.We have a Congleton conveyancing solicitor but Platform Home Loans Ltd advised that she’s not listed on their approved list of firms. We have to appoint a Platform Home Loans Ltd panel firm or retain our preferred solicitor and fork out for one of their panel ones to represent them. This seems very unfair; is there anything we can do?

No, not really. The home loan issued to you contains various provisions, a common one being that lawyers must be on the Platform Home Loans Ltd conveyancing panel. in the past, most banks had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Platform Home Loans Ltd

I used Arc property Solicitors several years ago for my conveyancing in Congleton. Now, I need the files however the law firm is no longer operating. What do I do?

You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Congleton of the conveyancing firm of solicitors you previously used, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

I'm purchasing my first flat in Congleton with the aid of help to buy. The developers would not budge the price so I negotiated £7000 of fixtures and fittings instead. The property agent told me not reveal to my conveyancer about the extras as it will jeopardize my loan with the lender. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

Due to the encouragement of my in-laws I had a survey completed on a house in Congleton ahead of retaining solicitors. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some banks will not issue a mortgage on this type of premises.

It depends who your proposed lender is. HSBC has different instructions from Nationwide. If you e-mail us we can check with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Congleton. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Congleton to see if the conveyancing costs will increase in light of this.

My husband and I may need to let out our Congleton garden flat temporarily due to taking a sabbatical. We instructed a Congleton conveyancing firm in 2004 but they have closed and we did not have the foresight to get any guidance as to whether the lease prohibits the subletting of the flat. How do we find out?

A small minority of properties in Congleton do contain a provision to say that subletting is only permitted with prior consent from the landlord. The landlord cannot unreasonably withhold but, in such cases, they would need to see references. Experience dictates that problems are usually caused by unsatisfactory tenants rather than owner-occupiers and for that reason you can expect the freeholder to take up the references and consider them carefully before granting consent.

Congleton Leasehold Conveyancing - Sample of Queries before buying

    Are any of leasehold owners in dispute over their service charge payments? Does the lease have more than 90 years unexpired? Most Congleton leasehold flats will have a service bill for maintenance of the building levied on behalf of the management company. Should you purchase the property you will have to meet this charge, normally periodically during the year. This can differ from several hundred pounds to thousands of pounds for blocks with lifts and large common grounds. There will also be a ground rent for you to pay yearly, this is usually not a large sum, say approximately £25-£75 but you should to enquire it because sometimes it could be many hundreds of pounds.

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Residential Landlord and Tenant Conveyancing solicitors in Congleton

The firms listed below are a non-comprehensive list of solicitors in Congleton practicing in landlord and tenant law and on the regulations governing different types of tenancies. This may include advice on Service charge disputes

  • Cf Law Limited, 20 Winnington Street, Northwich, Cheshire, CW8 1AF
  • Susan Howarth & Co Solicitors Ltd, 41 Chester Way, Northwich, Cheshire, CW9 5JE

Commercial Conveyancing solicitors in Congleton regulated by the SRA

The list below is a small selection of solicitors in Congleton with expertise in commercial conveyancing in Congleton. This should include advice on buying and selling small and large scale commercial property and agricultural land
  • Personal Injury Practice Limited, Citadel House, Solvay Road, Winnington, Northwich, Cheshire, CW8 4DP
  • Moss Law Limited, 2 Castle Street, Northwich, Cheshire, CW8 1AB
  • Cf Law Limited, 20 Winnington Street, Northwich, Cheshire, CW8 1AF
  • Susan Howarth & Co Solicitors Ltd, 41 Chester Way, Northwich, Cheshire, CW9 5JE

What to expect from a Licensed Conveyancer for conveyancing in Congleton?

Licensed Conveyancers deal with the transfer of the legal title of a property from one person to another and cover conveyancing throughout England and Wales not just Congleton. If using a Licensed Conveyancer governed by the CLC, you should:
  • Enjoy the benefit of an honest and lawful service.
  • Be supplied with a high standard of legal services.
  • Be supplied with your matters dealt with using care, skill and legal know-how.
  • Receive a high quality of service due to your lawyer’s arrangements, resources, procedures, skills and commitment.
  • Have a service which is accessible and responsive to your specific requirements.
  • Not feel discriminated against, victimised or harassed.
  • Not receive a service which is below the level you could expect, however, if you do your lawyer accepts responsibility for this and provides you with any appropriate redress.
  • Ensure your individual needs taken into account should you make a complaint.
  • Enjoy the benefit of a speedy, independent and comprehensive service when if a complaint is registered about your conveyancing in Congleton.

*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.