I am in the throes of switching my domestic mortgage to a BTL Bank of Scotland mortgage. I have been informed by my broker that I need a lawyer for this. I got in contact with my past Cheadle Hulme conveyancing firm who acted on my behalf when I first bought the property. The quote supplied of £550 has shocked me as its a remortgage than a sale or purchase.

The estimate fees seem a little high. If you shop around you might decrease the fees slightly by say £125. That being said, assuming were happy with the legal work the firm offered you mightcome to rue choosing an a cheaper solicitor. Don't forget to check that the conveyancer can act for Bank of Scotland. Do use our search tool to locate a Cheadle Hulme conveyancing firm on the Bank of Scotland approved list of lawyers, which can often include conveyancing solicitors in Cheadle Hulme.

Do the Building Society Association intend to launch a online directory to to identify practices on the Coventry BS conveyancing panel for example in Cheadle Hulme?

We have not been informed any plans on the part of the BSA to promote such a tool.

I moved into my home on 16 September and the transaction details is yet to be registered. Should I be concerned? My conveyancing solicitor in Cheadle Hulme expressed confidence that it will be formalised in a couple of weeks. Are titles in Cheadle Hulme uniquely lengthy to register?

There is nothing unique about conveyancing in Cheadle Hulme registration formalities. Rather than based on location, timeframes can vary depending on who lodges the application, whether it is in order and whether the Land registry must send notices to any third parties. At present in the region of 80% of submission are fully addressed within two weeks but some can be subject to extensive delays. Historically registration occurs once the new owner is living at the property thus registration formalities is not always primary concern but where it is urgent that the the registration takes place urgently then you or your lawyers must speak with the land registry and explain the circumstances.

I decided to have a survey done on a house in Cheadle Hulme before appointing solicitors. I have been informed that there is a flying freehold element to the property. My surveyor has said that some mortgage companies tend not issue a mortgage on this type of property.

It varies from the lender to lender. Bank of Scotland has different instructions for example to Nationwide. Should you wish to telephone us we can investigate further via the appropriate bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Cheadle Hulme. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cheadle Hulme to see if the conveyancing will be more expensive.

Back In 2001, I bought a leasehold house in Cheadle Hulme. Conveyancing and HSBC Bank mortgage organised. I have received a letter from someone claiming to own the freehold. It included a ground rent demand for rent dating back to 1997. The conveyancing practitioner in Cheadle Hulme who acted for me is not around. What should I do?

First contact HMLR to be sure that the individual claiming to own the freehold is indeed the registered owner of the freehold reversion. There is no need to instruct a Cheadle Hulme conveyancing firm to do this as you can do this on the Land Registry website for £3. Rest assured that in any event, even if this is the rightful landlord, under the Limitation Act 1980 the limitation period for recovery of ground rent is six years.

Leasehold Conveyancing in Cheadle Hulme - Examples of Queries before buying

Is anyone aware of any major works on the horizon that will increase the maintenance costs? It would be prudent to discover as much as possible regarding the managing agents as they can either make living at the property much easier or problematic. As the owner of a leasehold property you are often at the mercy of the managing agents both financially and when it comes to day to day matters like the upkeep of the communal areas. Ask other people what they think of them. In conclusion, find out the dates that you are obliged pay the maintenance charge to the relevant party and specifically what you get for your money. What is the yearly maintenance fee and ground rent?