Can I be sure that the Cheshire conveyancing solicitor on the Bank of Ireland panel is any good?
When it comes to conveyancing in Cheshire obtaining recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always recommend that you speak with the solicitor conducting your transaction.
I recently had an offer accepted on an apartment in Cheshire. My financial adviser recommended their conveyancers. I paid an on account payment of £225. A few days later, the conveyancer contacted me embarrassingly acknowledging that they were not on the Barclays conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Barclays panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I was told three weeks ago that my mortgage has been agreed to by TSB. Is it usual for TSB to only issue the offer once my solicitor in Cheshire is approved on their conveyancing panel? TSB have asked my solicitor to see a copy of their PI Insurance.
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for TSB to deal with your lawyer's application to be on the TSB conveyancing panel. There's no guarantee that your solicitor will be accepted.
Is it necessary to pay for insurance to protect me from financial exposure to chancel repairs when acquiring a residence in Cheshire?
Unless a prior acquisition of the property completed post 12 October 2013 you can expect conveyancing practitioners conducting conveyancing in Cheshire to remain recommending a chancel search and or chancel repair liability insurance.
I'm buying a new build house in Cheshire benefiting from help to buy. The builders would not move on the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent suggested that I not disclose to my solicitor about this side-deal as it could jeopardize my loan with Barnsley Building Society. 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.
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in last month in what should have been a straight forward, no chain conveyancing. Cheshire is the location of the property. Can you offer any advice?
Flying freeholds in Cheshire are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Cheshire you would need to get your solicitor to go through the deeds thoroughly. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cheshire may ascertain 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 property.
I am downsizing from my home. My previous conveyancers closed down. It would be helpful to have a recommendation of a conveyancing firm. Im based in Cheshire if that affects matters.
Please use our search tool to help you find a solicitor for your conveyancing in Cheshire. We have connected thousands of home buyers and sellers with lender approved solicitors to ensure that the legalities of their house move goes smoothly.
My wife and I purchased a leasehold house in Cheshire. Conveyancing and Norwich and Peterborough Building Society mortgage went though with no issue. I have received a letter from someone saying they have taken over the reversionary interest in the property. It included a demand for arrears of ground rent dating back to 1994. The conveyancing solicitor in Cheshire who acted for me is not around. Any advice?
First make enquiries of the Land Registry to make sure that the individual purporting to own the freehold is in fact the new freeholder. There is no need to incur the fees of a Cheshire conveyancing solicitor to do this as it can be done on-line for less than a fiver. You should note that in any event, even if this is the legitimate landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.
Cheshire Leasehold Conveyancing - Examples of Queries Prior to buying
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How many of the leaseholders are in arrears for their maintenance charge payments? It is important to be aware if a new roof is being put on or some other significant cost is coming up to be shared amongst the leaseholders and may well dramatically impact the level of the maintenance fees or necessitate a one off payment. What is the name of the managing agents?