It is 10 years ago since I purchased my house in Hazel Grove. Conveyancing solicitors have just been instructed on the sale but I can't locate my deeds. Is this a major issue?
Don’t worry too much. First there is a possibility that the deeds will be retained by the lender or they could stored with the lawyers who handled the purchase. Secondly in all probability the property will be registered at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Nearly all conveyancing in Hazel Grove relates to registered property but in the unlikely event that your home is not registered it is more tricky but is resolvable.
I am told that my conveyancing solicitors will need to check that the building insurance for my purchase of a house in Hazel Grove. My lender is Chelsea Building Society
Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 28/3/2025, the requirements read as follows :
I'm buying a new build house in Hazel Grove benefiting from help to buy. The developers refused to move on the amount so I negotiated five thousand pounds worth of extras instead. The property agent suggested that I not reveal to my solicitor about the deal as it will adversely affect my mortgage with the bank. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder 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.
I am a sole trader looking to lease a unit on a shopping parade. Can you recommend solicitors offering competitive costs for commercial conveyancing in Hazel Grove for under 1500k?
We are happy to recommend firms who host a wealth of experience of commercial conveyancing in Hazel Grove, including the disposal and acquisition of businesses as well as simply property. If you are intending to acquire or sell a shop, pub, restaurant, office, retail unit or a whole business we will find you the right solicitor. As for the costs this will depend on the structure and nuances of the deal. Let us have your details or call us so that we may provide you with a detailed commercial conveyancing quote.
Am I better off to appoint a Hazel Grove conveyancing solicitor based in the area that I am purchasing? We have a good friend who can carry out the conveyancing but his firm is located approximately 350kilometers away.
The primary upside of using a local Hazel Grove conveyancing firm is that you can drop in to execute paperwork, hand in your ID and apply pressure on them where appropriate. Having local Hazel Grove know how is a bonus. However it's more important to get someone that will do a good and efficient job. If if people you trust used your friend and they were content that should surpass using an unknown Hazel Grove conveyancing solicitor solely due to them being Hazel Grove based.
Do I need to have a meeting at the offices of the bank conveyancing panel solicitor to sign the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Hazel Grove as it will be easier to attend their offices when needed.
Whereas this was necessary 15 years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Hazel Grove.