I am hoping to receive a mortgage offer from Nat West. My intention is to instruct a Licensed Conveyancer in Congleton. Does the Nat West Solicitor panel exclude Licensed Conveyancers?

The Nat West conveyancing panel is, like many other lenders, represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.

I'm buying my first flat in Congleton with a loan from TSB. The sellers refused to budge the price so I negotiated 6k of additionals instead. The house builders rep advised me not reveal to my solicitor about this side-deal as it will impact my loan with TSB. Do I keep my lawyer in the dark?.

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.

Hoping to buy a property located in Congleton and I am already nervous. I couldn't find anything specific about Congleton. Conveyancing will be needed in due course but do you know about the Congleton area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Congleton. In the meantime here are some basic statistics that we found

I am using a search engine for the phrase on line conveyancing in Congleton it reveals many conveyancersin the vicinity. With so much choice what is the best way to find the right conveyancing solicitor for my move?

The preferential method of choosing the right conveyancer is through a trusted testimonial, so ask friends and those you trust who have bought a property in Congleton or the local estate agent or financial adviser. Charges for conveyancing in Congleton vary, so it's sensible to obtain at least four quotes from varying types of conveyancers. Dont forget to clarify that the charges are guaranteed not to increase.

I am a negotiator for a busy estate agency in Congleton where we have witnessed a few leasehold sales derailed due to short leases. I have received contradictory information from local Congleton conveyancing solicitors. Can you shed some light as to whether the owner of a flat can commence the lease extension process for the purchaser on completion of the sale?

As long as the seller has been the owner for at least 2 years it is possible, to serve a Section 42 notice to commence the lease extension process and assign the benefit of the notice to the purchaser. The benefit of this is that the buyer can avoid having to wait 2 years for a lease extension. Both sets of lawyers will agree to form of assignment. The assignment has to be done prior to, or simultaneously with completion of the disposal of the property.

Alternatively, it may be possible to agree the lease extension with the freeholder either before or after the sale. If you are informally negotiating there are no rules and so you cannot insist on the landlord agreeing to grant an extension or transferring the benefit of an agreement to the purchaser.

I acquired a leasehold flat in Congleton, conveyancing having been completed September 1995. Can you shed any light on how much the price could be for a 90 year extension to my lease? Similar properties in Congleton with an extended lease are worth £190,000. The average or mid-range amount of ground rent is £65 invoiced every year. The lease ceases on 21st October 2085

With only 61 years unexpired we estimate the price of your lease extension to span between £19,000 and £22,000 as well as costs.

The figure that we have given is a general guide to costs for renewing a lease, but we cannot give you the actual costs in the absence of detailed due diligence. Do not use this information in tribunal or court proceedings. There may be additional issues that need to be considered and clearly you want to be as accurate as possible in your negotiations. Neither should you move forward placing reliance on this information without first getting professional advice.