A relative advised me that in purchasing a property in Altrincham there could be various restrictions affecting the ability to carry out external alterations to a property. Is this right?

We are aware of anumerous of properties in Altrincham which have some sort of restriction or requirement of consent to carry out external changes. Part of the conveyancing in Altrincham should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I'm the single recipient of my late mum's will and I have everything in my name now, including the my former home in Altrincham. The Altrincham property was put into my name in March. I want to move. I do know about the CML six month 'rule', which means that my property ownership could be regarded the same way as though I had purchased the house in March. Will no one buy the property for half a year?

The Council of Mortgage Lenders’ handbook instructs solicitors to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you might be caught by that. How practical a view banks take of it, depend on the lender as this clause is primarily there to pick up on subsales or the wholesaling and assigning of properties.

I was told three weeks ago that my mortgage has been agreed to by Yorkshire BS. Is it usual for Yorkshire BS to only issue the offer once my solicitor in Altrincham is approved on their conveyancing panel? Yorkshire BS have asked my solicitor to see a copy of their PI Insurance.

A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Yorkshire BS to deal with your lawyer's application to be on the Yorkshire BS conveyancing panel. There's no guarantee that your solicitor will be accepted.

Are there restrictive covenants that are commonly identified as part of conveyancing in Altrincham?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Altrincham. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I am purchasing my first flat in Altrincham with a mortgage from Coventry Building Society. The builders would not move on the price so I negotiated 6k of extras instead. The estate agent advised me not reveal to my conveyancer about this extras as it will affect my loan with the lender. Is this normal?.

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.

I am a sole trader hoping to take an assignment of a lease of a shop on the high street. Can you recommend conveyancers offering competitive costs for non-domestic conveyancing in Altrincham for less than £2000?

We are happy to recommend firms who have an in-depth of experience of commercial conveyancing in Altrincham, including the sale and purchase of businesses as well as simply premises. If you are hoping to buy or dispose of a shop, pub, restaurant, office, retail unit or a whole business we can find you the right firm. Regarding the fees these will vary based on the structure and nuances of the deal. Please provide us with your details or phone us so that we may supply you with a fixed commercial conveyancing quote.

We are expecting to exchange buying a house in Altrincham but as a consequence of wreckage from the recent storms I have negotiated reparation from the vendor of £3k taking the form of a adjustment in the price. This was going to be addressed as part of the conveyancing process however the lender will not permit this. Should they have been informed?

Your lawyer listed on the mortgage company approved list is duty bound to disclose to the mortgage company of any amendments to the purchase amount. In the event that you prohibit your solicitor to report the price change to your mortgage company then they would need to refrain from acting for you and the lender.