I have just started taking steps with the intention of switching my current residential home loan to a BTL Clydesdale mortgage. The bank has said that I need a lawyer for this. I had a chat my previous Sandbach conveyancing firm who acted on my behalf when I initially acquired the property. The costs estimate they've given of £575 plus disbursements has shocked me as I am not require purchase conveyancing - it’s just a straightforward remortgage.
The quote is fractionally on the high side. If you are happy to spend time contrasting quotes you may be able to reduce the fees slightly by as much as £100 plus VAT. On the other hand, assuming were happy with the service the firm gave you maycome to regret opting for an an untested lawyer. Don't forget to ensure that the solicitor can also act for Clydesdale. You can utilise our search tool to select a Sandbach conveyancing firm on the Clydesdale member panel, which can often include conveyancing solicitors in Sandbach.
About to place a bid on a leasehold property in Sandbach. The estate agents advise that it is the norm for flats in Sandbach to have less than 75 years remaining. I am getting a loan with Virgin. Will the property be mortgageable given that the lease has Seventy One years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 27/2/2025 the requirements read as follows :
How does conveyancing in Sandbach differ for new build properties?
Most buyers of new build residence in Sandbach approach us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the house is completed. This is because builders in Sandbach usually buy the site, 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 conveyancing solicitors 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 accustomed to new build conveyancing in Sandbach or who has acted in the same development.
Given that I am about to part with £400,000 on a house in Sandbach I would like to talk to a conveyancer regarding thehouse move before giving the go ahead to the firm. Can this be arranged?
We could not agree more - we would be delighted to talk to you we do not take any clients on without you first talking to the lawyer who will be conducting your conveyancing in Sandbach.There is no ‘factory style conveyancing’ - every client is an important person, not a matter reference. The solicitors that we put you in touch with believe that the fees you are provided with for residential conveyancing in Sandbach should be the figure that you are charged.
I today plan to offer on a house that appears to meet my requirements, at a reasonable price which is making it all the more appealing. I have subsequently been informed that the title is leasehold as opposed to freehold. I am assuming that there are particular concerns purchasing a house with a leasehold title in Sandbach. Conveyancing solicitors have are about to be appointed. Will they explain the issues?
The majority of houses in Sandbach are freehold and not leasehold. In this scenario it’s worth having a local solicitor who is familiar with the area can help the conveyancing process. We note that you are purchasing in Sandbach in which case you should be shopping around for a Sandbach conveyancing solicitor and check that they are used to dealing with leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a leaseholder you will not be at liberty to do whatever you want to the property. The lease comes with conditions such as requiring the freeholder’sconsent to conduct changes to the property. It may be necessary to pay a maintenance charge towards the upkeep of the communal areas where the property is part of an estate. Your solicitor will report to you on the legal implications.