I am due to complete on the purchase of a property in Bredbury but as a result of wreckage from a small fire at the property I have managed to agree recompense from the owner in the sum of £3k in the form of a reduction in the price. This was going to be addressed as part of the conveyancing process however Bank of Ireland will not agree to this. Why were they involved?

The solicitor that is on the Bank of Ireland conveyancing panel is obliged to advise Bank of Ireland of any changes to the sale price. If you were to refuse your solicitor to notify the reduction to Bank of Ireland then they would have to discontinue acting for you. In addition, Bank of Ireland and you would have to appoint a new solicitor for your conveyancing in Bredbury.

I am close to exchanging contracts on the sale of our house in Bredbury and the buyers lawyers are claiming that there is a risk of it being built on contaminated land. A local conveyancer would know this is not the case. For the life of me I don't know why the purchasers instructed a web based conveyancing outfit as opposed to a conveyancing solicitor in Bredbury. We have lived in Bredbury for six years we know of no issue. Do we get in touch with our local Authority to seek clarification need.

It sounds as though you may have a conveyancing firm already. Are they able to advise? 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 life insurance to cover that same illness)

Given that I am about to part with hundreds of thousands of pounds on a two bedroom apartment in Bredbury I wish to talk to a conveyancer regarding thehouse move in advance of giving the go ahead to the firm. Is this something that you can arrange?

We could not agree more - we would be delighted to talk to you we do not take any clients on without you speaking to the lawyer who will be conducting your conveyancing in Bredbury.There is no ‘factory style conveyancing’ - each client is an important individual, not a case number. The practices that we put you in touch with believe that the figure you are quoted for your conveyancing in Bredbury should be the amount on the final invoice that you are charged.

In relation to leasehold conveyancing in Bredbury what are the most common lease defects?

There is nothing unique about leasehold conveyancing in Bredbury. Most leases are individual and legal mistakes in the legal wording can sometimes mean that certain provisions are missing. The following missing provisions could result in a defective lease:

A duty to insure the building

You will have difficulties when selling your property if you have a defective lease primarily because it impacts on the ability to obtain a mortgage on the property. Accord Mortgages Ltd, Bank of Scotland, and Nottingham Building Society all have very detailed requirements when it comes to what is expected in a lease. If a mortgage lender believes that the lease does not cover certain provisions they may refuse to grant the mortgage, forcing the buyer to pull out.

Leasehold Conveyancing in Bredbury - A selection of Questions you should ask before buying

If a Bredbury lease has fewer than eighty years it will impact the value of the property. It is worth checking with your bank that they are happy with the length of the lease. A short lease means that you will most likely need a lease extension sooner rather than later and you need to have some idea of what this would cost. For most Bredburylease extensions you will need to own the property for 24 months in order to be eligible to extend the lease. What is the length of the lease? Are any of leasehold owners in arrears of their service charge liability?

A conveyancing firm dealt with my conveyancing in Bredbury half a dozen years ago having retained my deeds but has now closed – What can I do to retreive them?

Title deeds, as such, are no longer appropriate for most homes in Bredbury are archived digitally at Land Registry. If you need to establish ownership or are disposing of or refinancing your conveyancing practitioner can obtain up to date copies of the register from the Land Registry in any case.

If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to filerequest@clc-uk.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned as quickly as possible.