The Cheadle conveyancing firm handling our Cheadle conveyancing has discovered a difference between the surveyor’s assumptions in the home valuation survey and what is in the legal papers for the property. My lawyer says that he must ensure that the lender is OK with this discrepancy and is content to go ahead. Is my conveyancer’s approach legitimate?

Your conveyancer must comply with the UK Finance Lenders’ Handbook conditions which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.

I am the single recipient of my late mum's will and I have everything in my name alone, including the my former home in Cheadle. Conveyancing formalities meant that the Land Registry date was in January. I plan to dispose of the property. I understand that there is a CML six month 'rule', which means that my property ownership will be regarded the same way as though I had purchased the property in January. Do I have to wait half a year to sell?

The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be impacted by that. How sensible a view banks take of it, depend on the bank as this requirement chiefly exists to identify the purchase and immediately sell or the wholesaling and assigning of properties.

We expect to receive a AIP from Lloyds this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Lloyds recommend any Cheadle solicitors on the Lloyds conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Cheadle solicitors independently although you'll need to choose one on the Lloyds conveyancing panel. The solicitor represents both you and Lloyds through the process.

I recently had an offer agreed on an apartment in Cheadle. My mortgage broker recommended their conveyancers. I paid an advanced payment of £175. A few days later, the property lawyer contacted me to say that they were not on the Coventry BS 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 Coventry BS 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.

Is it necessary to pay for insurance to protect me from financial exposure to chancel repairs when acquiring a house in Cheadle?

Unless a prior acquisition of the house completed after 12 October 2013 you can take it that conveyancing practitioners handling conveyancing in Cheadle to remain recommending a chancel search and or insurance against a claim.

How does conveyancing in Cheadle differ for new build properties?

Most buyers of new build or newly converted property in Cheadle approach us having been asked by the builder to sign contracts and commit to the purchase even before the house is constructed. This is because house builders in Cheadle typically acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Cheadle or who has acted in the same development.

Due to complete next month on a ground floor flat in Cheadle. Conveyancing lawyers assured me that they report fully tomorrow. What should I be looking out for?

The report on title for your leasehold conveyancing in Cheadle should include some of the following:

specifics of the parties to the lease, for example these could be the (you), superior lessor, landlord Whether the landlord has obligations to ensure rights of quiet enjoyment over your premises and do you know what it means in practice? You must be advised what counts as a Nuisance as far as the lease is concerned Your solicitors should enable you to have an understanding of the building insurance obligations

Cheadle Leasehold Conveyancing - A selection of Questions you should consider Prior to buying

Who manages the building? The majority of Cheadle leasehold properties will have a service charge for the upkeep of the block set on behalf of the landlord. If you buy the property you will have to meet this amount, usually in instalments accross the year. This could vary from a few hundred pounds to thousands of pounds for blocks with lifts and large common areas. There will also be a rentcharge to be met yearly, this is usually not a significant sum, say about £50-£100 but you need to check it because occasionally it could be many hundreds of pounds.