My fiance and I wish to acquire a 2 bedroom flat in Cheddleton with a homeloan from .We use our Cheddleton conveyancing lawyer but advised that his firm is not listed on their "panel". we are left little option but to use a panel firm or keep our high street solicitor and pay for one of their panel ones to act for them. This seems very unfair; Can we not simply insist that use our lawyer?

Unfortunately,no. The home loan offered to you is subject to its various provisions, one of which will be that solicitors must be on the approved list. Until recently, most banks had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for

Just bought a semi-detached house in Cheddleton , What is the estimated time for the Land Registry to register my ownership? My Cheddleton conveyancing solicitor works at snail pace, so I want to be sure the registration is concluded.

As far as conveyancing in Cheddleton registration is no faster or slower than anywhere else in the country. As opposed to being determined by geographic area, timescales can differ subject to who lodges the application, whether there are errors and if the Land registry have to notify any interested persons or bodies. Currently roughly three quarters of such applications are fully addressed in less than three weeks but some can be subject to extensive delays. Historically registration is effected after the purchaser is living at the property so an expedited registration is not always an essential issue but if there is a degree of urgency associated with the registration then you or your lawyers could communicate with the Registry to express the reasoning for the application to be prioritised.

I'm buying a new build house in Cheddleton benefiting from help to buy. The sellers would not reduce the amount so I negotiated five thousand pounds worth of extras instead. The property agent told me not inform my conveyancer about this deal as it may impact my mortgage with the lender. Is this normal?.

All lenders require a Disclosure of Incentives Form from the builder 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.

I'm refinancing my existing home to a BTL loan with and I will use the rest of the raised equity towards further property. The area we are interested in is Cheddleton. Will your lawyers be able to act for both sets of lenders and tie in the conveyances?

Do use our comparison tool on this site to be sure that the conveyancers are on the appropriate lender panels. Assuming that they are your conveyancer will be able to connect the two transactions but you should have a chat with you conveyancer and communicate your expectations and needs.

I am the registered owner of a 1st floor flat in Cheddleton, conveyancing having been completed half a dozen years ago. How much will my lease extension cost? Similar properties in Cheddleton with a long lease are worth £165,000. The average or mid-range amount of ground rent is £45 levied per year. The lease expires on 21st October 50

With only 50 years unexpired the likely cost is going to span between £36,100 and £41,800 as well as professional fees.

The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of detailed due diligence. You should not use the figures in a Notice of Claim or as an informal offer. There may be additional concerns that need to be considered and clearly you should be as accurate as possible in your negotiations. Please do not take any other action placing reliance on this information without first getting professional advice.