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Find a Disley Conveyancing Solictior on Your Lender’s Panel

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

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Recently asked questions about conveyancing in Disley

Can you help? My Disley solicitor is advising me that he is legally obliged toconduct Disley conveyancing searches asthe firm are on the Santanderapproved lawyer panel. Is this really necessary?

You have limited options available to you. Given that you are taking out a loan with a mortgage company your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to follow the Council of Mortgage Lenders’ Handbook conditions . Even if you were a cash buyer you would be ill advised not to carry out Disley conveyancing searches.

My aunt advised me that in buying a property in Disley there may be a number of restrictions preventing external alterations to a property. Is this right?

There are anumerous of properties in Disley which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Disley should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I have decided to exercise my right to buy my property in Disley off the council. I have a mortgage offer with Santander. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Santander, you will need to appoint a solicitor on the Santander conveyancing panel.

Having digested plenty of house buying guides, I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my local Disley solicitor - who is on the Skipton conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?

Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Disley surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.

I purchased a renovated Edwardian house in Disley. Conveyancing lawyer acted for me and Barclays Direct. I did a free Land Registry search last week and I saw two entries: one for freehold, another for leasehold under the exact same address. I'd like to know for sure, how can I find out??

You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Disley and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also check the position with the conveyancing solicitor who conducted the conveyancing.

I have been on the look out for a flat up to £305k and identified one round the corner in Disley I like with open areas and station nearby, the downside is that it's only got 49 years on the lease. There is not much else in Disley for this price, so just wondered if I would be making a grave error purchasing a lease with such few years left?

If you require a home loan the shortness of the lease will likely be a potential deal breaker. Discount the offer by the expected lease extension will cost if not already taken into account. If the existing owner has owned the property for at least 2 years you can ask them to commence the lease extension formalities and pass it to you. An additional ninety years can be extended on to the existing lease and have £0 ground rent by law. You should consult your conveyancing lawyer concerning this.

I am looking into buying my first house which is in Disley and I am already nervous. I couldn't find anything specific about Disley. Conveyancing will be needed in due course but do you know about the Disley area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at Disley. In the meantime here are some basic statistics that we found

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