Will my conveyancing lawyers need to check that the building insurance when buying a house in Ashton Under Lyne. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 30/11/2025, the requirements read as follows :
We are buying a terrace house in Ashton Under Lyne. We would like to carry out an extension to the side at the house.Will the conveyancing process involve checks to determine if these alterations are permitted?
Your solicitor should review the registered title as conveyancing in Ashton Under Lyne will on occasion identify restrictions in the title deeds which prohibit categories of works or necessitated the permission of another owner. Many additions need local authority planning permissions and approval in accordance building regulations. Many locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. You should check these issues with a surveyor ahead of any purchase.
I'm the only beneficiary of my late father’s estate and I have everything in my name alone, including the house in Ashton Under Lyne. The Ashton Under Lyne property was put into my name in October. I want to move. I do know about the Mortgage Lenders 6 month 'rule', meaning my proprietorship may be considered the same way as though I had purchased the property in October. Will no one buy the property for half a year?
The Council of Mortgage Lenders’ handbook mandates solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be affected by that. Some lenders would take a sensible view as this provision is chiefly there to pick up on the purchase and immediately sell or the quick reselling of property.
Virgin Money have agreed my mortgage in principle, my offer on a house in Ashton Under Lyne has been agreed to, what are the next steps?
Your property agent will need to know who your solicitors are (be sure the conveyancing practitioners are on the lender’s approved list). Contact Virgin Money or the broker and finish off any relevant documentation. Virgin Money will appoint a valuer who will get in contact with the estate agent or vendor to book an appointment. Once conducted (assuming no problems) it takes approximately a fortnight to receive the mortgage offer. Virgin Money will issue the offer to you and your lawyers. The transaction will then take it’s course according the nature and complexity of the conveyancing in Ashton Under Lyne.
I am buying my first flat in Ashton Under Lyne with a mortgage from Barnsley Building Society. The builders refused to move on the amount so I negotiated £7000 of fixtures and fittings instead. The sale representative suggested that I not to tell my lawyer about the extras as it will affect my mortgage with the bank. Is this normal?.
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.
What makes your site different to other web based conveyancing brokers when it comes to conveyancing in Ashton Under Lyne?
At this site receive a conveyancing quote via a Solicitor or Licensed Conveyancer that understands the issues for your conveyancing in Ashton Under Lyne. As opposed to estate agents and brokerage sites we do not charge firms a fee if you choose them for your home move in Ashton Under Lyne
Am I best advised to use a Ashton Under Lyne conveyancing lawyer who is local to the property I am buying? An old friend can carry out the legal work but his firm is located 300miles drive away.
The primary upside of using a high street Ashton Under Lyne conveyancing firm is that you can pop in to execute paperwork, deliver your ID and pester them if necessary. They will also have local insight which is a bonus. That being said it's more important to get someone that will pull out all the stops for you. If if people you trust instructed your friend and they were impressed that should surpass using an unfamiliar Ashton Under Lyne conveyancing solicitor just because they are round the corner.
Can you offer any advice when it comes to finding a Ashton Under Lyne conveyancing firm to deal with our lease extension?
If you are instructing a solicitor for your lease extension (regardless if they are a Ashton Under Lyne conveyancing practice) it is most important that they be familiar with the legislation and specialises in this area of conveyancing. We recommend that you make enquires with two or three firms including non Ashton Under Lyne conveyancing practices prior to instructing a firm. Where the conveyancing practice is ALEP accredited then so much the better. The following questions could be useful:
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Can they put you in touch with clients in Ashton Under Lyne who can give a testimonial? What are the charges for lease extension conveyancing?
Ashton Under Lyne Leasehold Conveyancing - A selection of Questions you should consider Prior to Purchasing
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The best form of lease arrangement is a share of the freehold. In this situation the lessees enjoy being in charge if their destiny and although a managing agent is often employed where it is bigger than a house conversion, the managing agent employed by the leaseholders. Is there a share of the freehold? For most Ashton Under Lyne leaseholds the cost for major works are not included within maintenance charges, although there some managing agents in Ashton Under Lyne ask leasehold owners to contribute towards a sinking fund and this is used to offset against major repairs or maintenance.