Find a Lender-Approved Local Conveyancer in Cheshire

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Selecting the right solicitor is the most important decision when it comes to your Cheshire conveyancing

Reasons to use our Cheshire conveyancing solicitors

  • 1 Cut price packages from online conveyancers might be tempting. However, these organisations are often located many miles away with limited understanding of the factors that affect property transactions in Cheshire
  • 2 This site is the only site offering you the ability to check that your conveyancing in Cheshire will be conducted by a solicitor on your lender’s authorised panel.
  • 3 The hallmark of our conveyancing solicitors in Cheshire is quality not quantity. The level of service offered by conveyancing "factories" (sometimes 'recommended' by national chain estate agents) sometimes falls short of the high standards of professionalism you will expect.
  • 4 Cheshire solicitors have a significant edge when it comes to Cheshire conveyancing as they have important local knowledge of local authority requirements, planning policies and other issues that will affect your home move
  • 5 Cheshire conveyancer are the linchpin to a successful Cheshire conveyancing experience, keeping the process under control. They are on your side throughout, offering dedicated advice for the duration of your transaction

Examples of recent conveyancing in Cheshire since July 2025*

Recently asked questions about conveyancing in Cheshire

Our grandson is purchasing a newly built flat in Cheshire with a mortgage from Clydesdale. His conveyancer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. Who needs to receive the form?

The form is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Clydesdale 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 Clydesdale conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

I have Fifty Six years remaining on my lease and need a lease extension for my apartment in Cheshire. Conveyancing solicitors on the The Mortgage Works panel can deal with such extensions right?

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining a mortgage then your lender may insist that the lease be extended before competition. The Mortgage Works have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 2/10/2025 the requirements read as follows :

Minimum unexpired lease term is 70 years with 30 years remaining at the end of the mortgage term.
Where the unexpired lease term is different to that recorded on the mortgage offer, the following clarifies if we need to be informed:

Second hand property:
- If the unexpired lease term on the offer is 85 years or more - only advise us if the actual lease term is less than 85 years
- if the unexpired lease term on the offer is less than 85 years – advise us if the actual lease term is different than reported
- For equity share applications - advise us if the actual lease term is different than reported on the offer

New build property:
- If the unexpired lease term stated on the offer is 125 years (flat) / 250 years (house) or more - only advise us if the actual lease term is less than 125 years (flat) / 250 years (house)
- For equity share applications - always advise us if the actual lease term is different than reported on the offer

Lease terms such as ground rent and event fees must be reasonable at all times during the term of the lease and adhere to our requirements below. If you’re unsure as to whether the terms of a lease are unreasonable or onerous, please refer the details to us in plain English for Valuer consideration. If the potentially onerous terms are in relation to the ground rent please include the current ground rent figure per annum, how often it will be reviewed and the price structure it will be reviewed against. See the guidance below.

SECOND HAND PROPERTIES

Unacceptable - advise Issuing Office (Will be declined):
- Unexpired lease term less than 70 years
- Less than 30 years remaining at the end of the mortgage term
- Ground Rent greater than 0.5% of the property value
- Ground Rent doubles less than every 20 years (e.g. doubles every 5, 10 or 15 years) - acceptable if doubles every 20 years or more
- Ground Rent is compounded RPI
- Ground Rent review period less than or equal to 5 years

Refer to Issuing Office (Valuer will consider any impact on valuation figure and marketability):
- Unexpired lease term is 70 to 85 years
- Ground Rent greater than 0.1% and less than or equal to 0.5% of the property value
- Ground Rent escalation is linked to any indices greater than RPI
- Ground Rent escalation is linked to the value of the building*
- Ground Rent review period is greater than 5 and less than 10 years
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 1.0% of property value p/a (please provide details of what the charges cover)
- Anything that appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Issuing Office):
- Unexpired lease term greater than 85 years
- Ground Rent less than or equal to 0.1% of the property value
- Ground Rent review period greater than or equal to 10 years
- Ground Rent escalation less than or equal to RPI

NEW BUILD PROPERTIES (includes office conversions)

Unacceptable - advise Issuing Office (will be declined):
- Unexpired lease term less than 125 years on a new build flat or less than 250 years on a new build house
- Any lease which is subject to a ground rent (or annual rent) being charged which is more than on a peppercorn basis
- Any lease which is subject to a ground rent (or annual rent) being reviewed and altered on any review basis or methodology

Refer to Issuing Office (Valuer will consider any impact on valuation figure and marketability):
- Event clauses exist for normal use e.g. changing the carpet, installing a TV aerial etc
- Estate Rent Charges greater than £500 p/a (please provide details of what the charges cover)
- Service Charges greater than 1.0% of property value p/a (please provide details of what the charges cover)
- Anything else appears onerous, unusual or out of the ordinary

Acceptable (no requirement to advise Issuing Office):
- Unexpired lease term greater than or equal to 125 years on a new build flat or greater than or equal to 250 years on a new build house
- A lease subject to a peppercorn ground rent (annual rent) charges

For the avoidance of doubt, any new build properties completed but not sold pre 30 June 2022 will only be acceptable if the lease conforms to the above guidance

* Where the Ground Rent escalation is linked to the value of the building, please provide the following:
- How is the value of the block/unit currently calculated and if the assessment relates to the block(s), how is the Ground Rent calculated/apportioned per property?
- The current valuation and Ground Rent for each unit
- What is the mechanism for future valuations of the block and how is the Ground Rent calculated/apportioned?
- What is the right of appeal? And is this a documented process within the lease?
- Who bears the cost of the valuation (and appeal) process?
- Confirmation the review period is not less than twenty years

LEASE EXTENSIONS

We require all lease extensions to be completed under the Leasehold Reform Housing and Urban Development Act 1993 and to meet the above criteria as a minimum. Where you become aware that it does not meet these requirements, please refer to the Issuing Office

Please ensure that all lender enquiries are submitted (with full documentation/requirements) at least 2 weeks prior to exchange to allow sufficient time for review and decisioning.

If you had a top tip for selecting a conveyancing solicitor in Cheshire what would it be?

It would be unwise to be tempted by the lowest Cheshire conveyancing quote. You really do get what you’re paying for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in ahead of time.

Is there a list of Clydesdale panel solicitors in Cheshire on the Council of Mortgage Lender’s Website?

No. There is no such directory service on the Council of Mortgage Lenders or Building Society Association sites. A small selection of mortgage companies make their panel listings available on the web. If you are in need of a Cheshire conveyancer on the Clydesdale please make the most of our facility.

Clydesdale have agreed my home loan in principle, my bid on a property in Cheshire has been accepted, what happens next?

The estate agent will wish to know who your solicitors are (ensure that the property lawyers are on the bank’s approved list). Telephone Clydesdale or your broker and complete any relevant paperwork. Clydesdale will instruct a valuer who will get in contact with the estate agent or seller to arrange an appointment. Once carried out (assuming no problems) it takes on average ten days for the mortgage offer to be issued. Clydesdale will send the offer to you and your property lawyers. The legal work will then take it’s course according the nature and complexity of the conveyancing in Cheshire.

It has been four months following my purchase conveyancing in Cheshire completed. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £170,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I am looking for a ground for flat up to £235,500 and found one round the corner in Cheshire I like with a park and transport links in the vicinity, the downside is that it only has 52 years unexpired on the lease. There is not much else in Cheshire for this price, so just wondered if I would be making a mistake acquiring a lease with such few years left?

Should you require a mortgage the shortness of the lease will likely be a potential deal breaker. Reduce the price by the expected lease extension will cost if it has not already been discounted. If the current proprietor has owned the property for a minimum of twenty four months you could ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease term with a zero ground rent applied. You should speak to your conveyancing lawyer about this.

How do I search for a Cheshire law firm on the The Mortgage Works conveyancing panel? I have a car and am prepared to travel upto 20kilometers to meet the lawyer.

Feel free to make use of the tool on this website. Please select a mortgage company and your location and you will see a number of Cheshire conveyancing lawyers located nearest you. We have detailed some Cheshire conveyancing firms at the bottom of this page and you can call them to see whether they are on the The Mortgage Works panel

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Residential Landlord and Tenant Conveyancing solicitors in Cheshire

The firms listed below are a small selection of solicitors in Cheshire practicing in landlord and tenant law and on the regulations governing different types of tenancies. This should include advice on service charge disputes and the right to manage

  • 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 Cheshire regulated by the SRA

The firms listed below are a small selection of solicitors in Cheshire practicing in commercial conveyancing in Cheshire. This should include advice on buying or selling a shop, pub, restaurant, office, retail unit
  • 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

Sale conveyancing in Cheshire ordinarily includes the following:

  • Lawyer instructed by the seller on acceptance of the offer
  • Collating the documents evidencing the title to the property
  • Drawing up the contract and related papers
  • Submitting draft papers to the solicitor acting for the buyer
  • Negotiating contracts and answering further queries from the buyer’s solicitor
  • Agreeing the transfer document
  • Replying to requisitions prepared by the purchaser’s solicitor
  • Carrying out the key stage of exchanging contracts and then completion formalities
  • Receiving sale proceeds and transferring funds to the seller, the estate agent and other relevant parties (if applicable)

*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.