Why do I have to pay up front for my conveyancing in Congleton?

Where you are retaining lawyers for conveyancing in Congleton your lawyer will ask you to provide them with monies to cover the the cost of the conveyancing searches. This will be the total of the cost of the conveyancing searches. When the deposit is as part of the sale price then this will be asked for immediately prior to contracts are exchanged. The closing balance that is needed should be transferred a couple of days prior to the completion date.

I am buying a right to buy a flat in Congleton. Can I do my own conveyancing?

Leaving aside the complexities and merits of DIY conveyancing in Congleton you will have to appoint a solicitor on your mortgage company's conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to be made in you doing conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on your lender panel in Congleton.

What will a local search inform me regarding the property we're buying in Congleton?

Congleton conveyancing often starts with the applying for local authority searches directly from your local Authority or via a personal search organisations for example Searches UK The local search is essential in every Congleton conveyancing purchase; that is if you wish to avoid any nasty once you have moved into your property. The search should reveal information on, amongst other things, details on planning applications relevant to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of thirteen subject headings.

Due to the guidance of my in-laws I had a survey completed on a property in Congleton ahead of instructing conveyancers. I have been advised that there is a flying freehold aspect to the house. Our surveyor has said that some lenders will not give a mortgage on such a house.

It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Congleton. Conveyancing may be slightly more expensive based on your lender's requirements.

We are midway through purchasing a house in Congleton. Conveyancing lawyer has told us the property is "Leasehold". Does this adversely affect the salability of the house?

Congleton conveyancing does not normally involve leasehold houses. The main factor here is the length of lease and the ground rent. If it's 999 years with a nominal rent, it's almost the same as freehold, so it’s unlikely to impact the saleability too much.

At the other extreme, if it's, say, 50 years it is bound to have a adverse impact on the value, and probably wouldn't be acceptable to the bank. The remaining lease term and ground rent will be stated in the lease to be supplied to your conveyancing practitioner.