As I am unsure how the conveyancing process works what is the most important number one tip you can give me regarding purchase conveyancing in Macclesfield?

You may not hear this from too many lawyers but conveyancing in Macclesfield and elsewhere in England and Wales is often a confrontational experience. In other words, when it comes to conveyancing there is an abundance of room for friction between you and others involved in the home moving process. For example, the vendor, property agent and on occasion the mortgage company. Selecting a lawyer for your conveyancing in Macclesfield is a critical decision as your conveyancer is your adviser, and is the ONLY person in the transaction whose responsibility is to protect your legal interests and to protect you.

On occasion a potential adversary may try and persuade you that it is in your interests to do things their way. As an example, the property agent may claim to be helping by suggesting your conveyancer is dragging his heels. Or your mortgage broker may advise you to do take action that is against your solicitors advice. You should always trust your lawyer above all other parties in the conveyancing process.

We hope to to purchase with Melton Mowbray Building Society. I went into a few local solicitors yet am unable to find a Macclesfield conveyancing firm on the Melton Mowbray Building Society approved list. Can you help?

You should make the most of the search tool on this web page. Please choose the mortgage company and type Macclesfield or your preferred area and you will be presented with numerous conveyancers located in Macclesfield or by proximity to you.

Last month we had a mortgage agreed in principle with Nottingham. Macclesfield conveyancing lawyers were chosen. How long does it take for Nottingham to issue the offer to the lawyer?

Some lenders take longer than others. Have Nottingham done the survey? Have you advised Nottingham as to your lawyers' details and checked that your lawyers are on the Nottingham conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.

My fiancee and I are at the point of viewing flats in Macclesfield and I am now considering a potential offer. Is it premature to have a solicitor in place? I intend to finance via a mortgage with Kent Reliance.

You should start requesting conveyancing estimates from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and forward their details on to the selling agent. Given that you are taking out a mortgage with Kent Reliance, ask your prospective lawyers if they are on the Kent Reliance conveyancing panel otherwise they can't do the mortgage legal work.

I recently had an offer agreed on an apartment in Macclesfield. My financial adviser suggested a solicitor. I paid an on account payment of £175. A few days later, the property lawyer called me sheepishly admitting that they were not on the Lloyds conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the Lloyds panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

The deeds to our property are lost. The conveyancers who dealt with the conveyancing in Macclesfield 5 years ago no longer exist. What do I do?

You no longer need to hold title official documentation to establish that you own the land or property, as the Land Registry hold details of all registered land or property electronically.

I'm buying my first flat in Macclesfield benefiting from help to buy. The sellers would not move on the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent told me not inform my solicitor about the deal as it will impact my mortgage with the lender. Do I keep my lawyer in the dark?.

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.