Finally, a loan offer from Santander for the remortgage of my single room maisonette is coming by the end of next week. Could you suggest a low cost conveyancing solicitor in Disley?

This site is not designed to aid those in their quest for the cheapest conveyancing solicitors in Disley. Our aim is to provide affordable conveyancing but we do not work with the cheapest lawyers. Resist the temptation to appoint companies offering the bait of low cost conveyancing in Disley. Optimistically, in choosing a lawyer for low cost conveyancing, you will earn what you pay for and at worst it will result in you invoiced for additional fees and still not receive the service expected.

Our grandson is about to exchange on a newly built flat in Disley with a mortgage from Aldermore. His solicitor has said that there is a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?

The document is intended to provide information to the main parties involved in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Aldermore conveyancing panel as a standard part of the process, and to the surveyor when requested. The developer will be required to start the process by downloading the form and completing it. The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Aldermore conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

What is the difference between a licensed conveyancer and conveyancing solicitor in Disley

Two types of professional can do conveyancing in Disley namely licenced conveyancers or solicitors. The two can provide conveyancing services that required to complete the disposal or purchase of property. They are both obliged to handle Disley conveyancing to the same quality and guidelines so you may be sure that your conveyancing will be professionally conducted and that the necessary procedures should be accurately followed.

I have today made my last payment due on my mortgage with Coventry BS. I assume I don't need a Disley lawyer on the Coventry BS panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your Coventry BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Coventry BS mortgage from the register. Coventry BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Coventry BS has sent the Land Registry the discharge electronically, and
3. Coventry BS has instructed the Land Registry to do so

Intending to buy a house in Disley. 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 Yorkshire BS 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 Disley property lawyer is on the Yorkshire BS conveyancing panel.

Me and my brother own a 4 bedroom Edwardian property in Disley. Conveyancing lawyer represented me and Nationwide Building Society. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold under the matching property. Is it worth asking Nationwide Building Society to clarify?

You need to review the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Disley and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the position with your conveyancing lawyer who conducted the purchase.

I am hoping to put an offer on a small detached house that appears to be perfect, at a great figure which is making it all the more appealing. I have subsequently found out that it's a leasehold rather than freehold. I am assuming that there are issues buying a leasehold house in Disley. Conveyancing advisers have not yet been instructed. Will my lawyers set out the implications of buying a leasehold house in Disley ?

Most houses in Disley are freehold and not leasehold. This is one of the situations where having a local solicitor who is familiar with the area who can help the conveyancing process. it is apparent that you are purchasing in Disley in which case you should be shopping around for a Disley conveyancing solicitor and be sure that they have experience in advising on leasehold houses. First you will need to check the number of years remaining. As a tenant you will not be entirely free to do whatever you want to the property. The lease will likely included provisions for example obtaining the landlord’sconsent to carry out changes to the property. You may also be required to pay a service charge towards the upkeep of the estate where the property is part of an estate. Your lawyer should advise you fully on all the issues.

I invested in buying a 2 bed flat in Disley, conveyancing was carried out August 2010. Can you give me give me an indication of the likely cost of a lease extension? Corresponding flats in Disley with an extended lease are worth £265,000. The ground rent is £50 invoiced annually. The lease terminates on 21st October 2100

With just 76 years unexpired we estimate the premium for your lease extension to range between £8,600 and £9,800 as well as plus your own and the landlord's "reasonable" professional fees.

The figure above a general guide to costs for extending a lease, but we cannot give you the actual costs in the absence of detailed investigations. You should not use the figures in tribunal or court proceedings. There may be other concerns that need to be taken into account and you obviously want to be as accurate as possible in your negotiations. You should not take any other action based on this information without first seeking the advice of a professional.