Our son is about to exchange on a house that has just been built in Alderley Edge and Wilmslow with a mortgage from Virgin Money. His solicitor has said that there is a delay in completing the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?

The form is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Virgin Money conveyancing panel as a standard part of the process, and to the surveyor when asked. 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 Virgin Money conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

Will my conveyancing lawyers need to check that the building insurance for my purchase of a house in Alderley Edge and Wilmslow. My lender is Virgin

Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook. As of 28/11/2023, the requirements read as follows :

Forgive me if this question is silly but I am new to the house moving as FTB of a ground floor flat in Alderley Edge and Wilmslow. Do I receive the keys to the property on completion from my lawyer? If this is the case, I will use a High Street conveyancing solicitor in Alderley Edge and Wilmslow?

There is no need to visit the lawyers office on the day of completion. Your solicitors will electronically transfer the purchase money to the vendor’s lawyers, and once they have received this, you will be called to pick up the keys from the property Agents and start moving into the property. This tends to happen between 1 and 3pm.

I am purchasing a detached bungalow in Alderley Edge and Wilmslow. We would like to carry out an extension to the side at the property.Will the conveyancing process include checks to ascertain if these works were previously refused?

Your property lawyer will review the registered title as conveyancing in Alderley Edge and Wilmslow can on occasion identify restrictions in the title documents which restrict categories of changes or necessitated the consent of another owner. Many works require local authority planning permissions and approval in accordance building regulations. Many locations are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be wise to check these issues with a surveyor before you commit yourself to a purchase.

I am expecting a AIP from UBS this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do UBS recommend any Alderley Edge and Wilmslow solicitors on the UBS conveyancing panel, or is it better to find our own lawyer?

You will need to appoint Alderley Edge and Wilmslow solicitors independently although you'll need to choose one on the UBS conveyancing panel. The solicitor represents both you and UBS through the process.

We are downsizing from our property in Alderley Edge and Wilmslow and according to the buyers it appears that there is a risk of it being constructed land that was not decontaminated. A local lawyer would know that there is no such problem. For the life of me I don't know why the purchasers are using an online conveyancing practice rather than a conveyancing solicitor in Alderley Edge and Wilmslow. Having lived in Alderley Edge and Wilmslow for 5 years we know of no issue. Is it a good idea to contact our local Authority to get clarification that the buyers are looking for.

It sounds as though you may have a conveyancing firm currently acting for you. What do they say? You need to enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)

I am buying a new build flat in Alderley Edge and Wilmslow. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below are examples of a selection of leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Alderley Edge and Wilmslow

Please confirm the Lease plans are surveyor prepared. Forfeiture - bankruptcy or liquidation must not apply under this provision. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Investor purchasers must be able to freely grant unsecured tenancies at market rents without requiring any consents.