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Find a Cheshire Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Cheshire? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Cheshire home move at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Cheshire conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Cheshire

I have given 2 months notice to my existing landlord and have to vacate my let out property in Cheshire by 19/8/2022. Conveyancing for my house purchase is progressing. Can I complete in three weeks as don't want to have to find temporary accommodation?

Generally one should not provide notice on a rental until you have exchanged. Assuming that you have not previously done so, contact to your solicitor and request that they seek the assistance the sellers lawyers, try to an acceptable time-line that all parties will look towards

The Cheshire conveyancing lawyers that I recently instructed on my house acquisition in Cheshire have without warning closed. I only went with them because I needed a firm on the Lloyds conveyancing panel and my family Cheshire lawyer was not. I gave my credit card details for them to take one hundred and fifty pounds for searches. What are my options?

Assuming that you have an Estate Agent in the equation then let them know immediately so that they advise the vendors that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Lloyds conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors should be in a position to help.

When it comes to mortgage companies such as TSB, do Cheshire conveyancing practitioners face a fee to be on the list of approved solicitors?

We are not aware of any lender fees to register on their panel, although some do charge an administration fee to deal with the processing of the conveyancing panel application.

I can not work out if my lender requires a lease extension. I have called my Cheshire building society branch on a couple of occasions and was informed it wasn't an issue and they will lend. My Cheshire conveyancing solicitor - who is on the lender conveyancing panel- called to say that they would not lend based on their published requirements. Who do I believe?

As long as the conveyancer is on the bank approved list, she or he must comply with the Council of Mortgage Lenders’ Handbook specifications for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

I was told four weeks ago that my mortgage has been agreed to by RBS. Is it usual for RBS to only issue the offer once my solicitor in Cheshire is approved on their conveyancing panel? RBS have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.

Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for RBS to deal with your lawyer's application to be on the RBS conveyancing panel. There's no guarantee that your solicitor will be accepted.

I understand that there are debates on Chancel Insurance on online forums. Am I compelled to take this when purchasing a property in Cheshire? or Apparently there is a law dating back centuries that could mean that homeowners living in a parish church boundary may be liable to pay for repairs towards the chancel within the church. Is this a legitimate concern for conveyancing in Cheshire?

Unless a prior acquisition of the house completed post 12 October 2013 you can take it that conveyancing practitioners handling conveyancing in Cheshire to continue to recommend a chancel search and or insurance against a claim.

I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a quick, chain free conveyancing. Cheshire is where the house is located. Can you offer any advice?

Flying freeholds in Cheshire are rare but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Cheshire you would need to get your solicitor to go through the deeds thoroughly. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cheshire may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

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Find out more about how flying freehold can affect your the value of a property.