My husband and I are buying a 3 bedroom flat in Cheshire with a mortgage. We would like to retain our Cheshire lawyer, however the mortgage company advise he's not on their "panel". We have to appoint one of the lender panel conveyancing practices or keep our Cheshire lawyer and pay for one of their panel ones to represent them. This feels very unfair; is there anything we can do?
Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms 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. A further alternative is for your Cheshire conveyancing solicitor to apply to be on the conveyancing panel.
I am planning to acquire a property and need a conveyancing solicitor in Cheshire who is on the Clydesdale conveyancing. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Clydesdale in certain locations such as Cheshire. We dont recommend any particular firm.
Is it necessary to take out insurance to address the risk of chancel repairs when acquiring a residence in Cheshire?
Unless a previous acquisition of the house completed post 12 October 2013 you may take it that solicitors handling conveyancing in Cheshire to continue to recommend a chancel search and or chancel repair liability policy.
Hoping to buy a property located in Cheshire and I am already nervous. I couldn't find anything specific about Cheshire. Conveyancing will be needed in due course but do you know about the Cheshire area? or perhaps some other tips you can share?
Rather than looking online forget looking online you should go and have a look at Cheshire. In the meantime here are some basic statistics that we found
We are a couple of weeks into a residential purchase having been directed to conveyancers by the selling agent to execute conveyancing in Cheshire. I am am extremely disappointed with the level of service. Could you help me find new solicitors?
A solicitor would need to be very bad in order to consider diss instructing them. Has your mortgage been sent? If so you need to make them aware of the replacement conveyancer and get the offer are re-issued. Your solicitor ideally should be on the lenders panel to avoid escalating costs and delays. That should be your first question of the new conveyancers. Our search tool should help you find a lender approved conveyancer for your home move in Cheshire
Last January I purchased a leasehold house in Cheshire. Do I have any liability for service charges for periods before completion of my purchase?
In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. Strange as it may seem, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to be sure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Cheshire Leasehold Conveyancing - Sample of Queries before Purchasing
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This information is helpful as a) areas could cause problems in the block as the communal areas may start to deteriorate where repairs are not paid for b) if the tenants have a dispute with the managing agents you will wish to have all the details Does the lease have more than 82 years left? What prohibitions are there in the Cheshire Lease?