Our bank has recommended solicitors on their panel based in Congleton but I would rather use a conveyancing lawyer in Congleton round the corner to me. Are you able to assist?

It is by no means the case that all Congleton conveyancing solicitors are listed all lender’s conveyancing panel. Use our search tool to find a Congleton conveyancing firm on the on the bank panel.

I currently have a mortgage with Yorkshire BS for my property in Congleton. Conveyancing was finalised a year ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Yorkshire BS?

Yorkshire BS must be informed of your intention in advance of letting out your property as this is likely to be a breach of Yorkshire BS’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Yorkshire BS directly. It should not be necessary to do this via a Yorkshire BS conveyancing panel solicitor.

I recently had an offer accepted on an apartment in Congleton. My financial adviser pressured me to appoint their lawyer. I paid an advanced payment of £175. Not long after, the conveyancer contacted me sheepishly admitting 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.

Planning on purchasing a maisonette in Congleton. I have received an online quote from a licenced conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Co-operative conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that the Congleton solicitor is on the Co-operative conveyancing panel.

I have justdiscovered that Wolstenholmes have been shut down. They carried out my conveyancing in Congleton for a purchase of a leasehold flat 18 months ago. How can I be sure that the property is in my name in the name of the former proprietor?

The quickest method to check if the premises is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Congleton conveyancing specialists.

We are one month into a leasehold purchase having been referred to solicitors by the estate agent to carry out the conveyancing in Congleton. I am not happy. Can you help me find new conveyancers?

A solicitor would need to be really poor to suggest diss instructing them. Has your loan offer been generated? In the event that it has you need to inform them of the new contact details and get the loan are re-sent. The solicitor ideally should be on the banks panel to avoid added charges and delays. That should be your first question of the new conveyancers. The find a solicitor tool will help you find a lender approved solicitor for your home move in Congleton

I today plan to offer on a house that appears to be perfect, at a reasonable figure which is making it all the more appealing. I have just found out that it's a leasehold rather than freehold. I am assuming that there are issues purchasing a house with a leasehold title in Congleton. Conveyancing solicitors have are about to be appointed. Will my lawyers set out the implications of buying a leasehold house in Congleton ?

The majority of houses in Congleton are freehold rather than leasehold. This is one of the situations where having a local solicitor who is familiar with the area can help the conveyancing process. We note that you are purchasing in Congleton in which case you should be shopping around for a Congleton conveyancing solicitor and check that they are used to transacting on leasehold houses. As a matter of priority you will need to check the unexpired lease term. Being a lessee you will not be at liberty to do whatever you want to the property. The lease comes with conditions for example obtaining the landlord’spermission to carry out alterations. You may also be required to pay a service charge towards the upkeep of the estate where the property is located on an estate. Your solicitor will report to you on the legal implications.