We are buying a 3 bedroom semi in Disley. Our aim is to an extension at the rear at the house.Will the conveyancing process include investigations to ascertain if these works were previously refused?
Your conveyancer will review the registered title as conveyancing in Disley can sometimes identify restrictions in the title documents which prohibit certain changes or require the consent of a 3rd party. Some works need local authority planning permissions and approval in accordance building regulations. Certain areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor prior to committing yourself to a purchase.
My wife and I have organised the release of further funds on our home loan from Yorkshire BS as we want to carry out alterations to our house in Disley. Do we need to select a nearby Disley solicitor on the Yorkshire BS conveyancing panel to handle the legals?
Yorkshire BS don't usually appoint a member of their approved list of lawyers to handle such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the Yorkshire BS list.
My offer was accepted on a house in Disley on 6/2/2025, valuation was booked 4 days after, received a clean bill of health. Conveyancer instructed, so all that was missing was my mortgage offer. Having made daily calls to Virgin Money and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Virgin Money conveyancing panel. Can the lender hold off the offer?
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 Virgin Money to deal with your lawyer's application to be on the Virgin Money conveyancing panel. There's no guarantee that your solicitor will be accepted.
What can a local search tell me about the property I am purchasing in Disley?
Disley conveyancing often starts with the applying for local authority searches directly from your local Authority or through a personal search organisations for example Searchflow The local search plays an important role in most Disley conveyancing purchase; that is if you don’t want any unpleasant once you have moved into your property. The search should reveal information on, amongst other things, details on planning applications applicable to the premises (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 topic headings.
It has been 4 months since my purchase conveyancing in Disley completed. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £160,000. 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 asset 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 purchasing my first flat in Disley with a loan from Halifax. The builders would not move on the amount so I negotiated 6k of extras instead. The house builders rep advised me not to tell my conveyancer about the side-deal as it will affect my loan with the bank. Do I keep my lawyer in the dark?.
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.
How do I identify a Disley law firm on the Clydesdale conveyancing panel? I have wheels and am willing to travel upto 20miles to meet the conveyancer.
You can use the tool on this page. Please select a mortgage company and your location and you will see a number of Disley conveyancing lawyers locally. We have listed some Disley conveyancing firms at the bottom of this page and you can contact them to verify if they are on the Clydesdale member panel
My partner and I are purchasing a garden flat in Disley. At the time of instructing our property lawyer, they said that they were on all mainstream lender panels. The financial adviser called today to advise that they are not on the Barclays approved list. Were it to be true, what should we do? Do we simply choose a different lawyer that is on their panel or should we cover the costs for dual representation, with Barclays appointing their own preferred conveyancer.
When buying a property with the benefit of a mortgage it is normal for the buyer’s solicitors to also represent the mortgage company. In order to act for a bank or building society a property lawyer has to be on that lender's list of approved lawyers. An application has to be made by the conveyancer to the lender to become a member of the lender's panel and there are increasingly strict criteria which the lawyer has to fulfill. Some mortgage companies now require their panel firms to be part of the Law Society’s Conveyancing Quality Scheme. Your solicitor should contact Barclays to discover if they can apply for membership of their conveyancing panel, but if that is not viable they will instruct their own solicitors to act. You don't have to instruct a firm on Barclays's conveyancing panel and you may continue to use your own Disley solicitors, in which case your legal fees may increase, and it may delay matters as you have another set of people involved.