I have just been advised by my lender that my Rochdale solicitor is not on the bank Conveyancing panel. How can I be sure whether this is correct?

Your first step should be to call your Rochdale conveyancer. You lawyer should advise you of the situation. If they are not on the panel they could put your in touch with solicitors on the approved list of lawyers for your bank.

My husband and I are only a couple days away from an exchange on a house in Rochdale and my mum and dad have transferred the ten percent deposit to my . I am now told that as the deposit has been received from someone other than me my needs to disclose this to my bank. Apparently, in also acting for the bank he must inform them that the balance of the purchase price is not just from me. I informed the mortgage company concerning my parents' contribution when I applied for the home loan, so is it really necessary for him to raise this?

Your is legally required to clarify with the bank to make sure that they know that the balance of the purchase price is not from your own funds. Your solicitor can only report this to your bank if you permit them to, failing which, your lawyer must cease to continue acting.

My husband and I are purchasing a newbuild apartment in Rochdale with a homeloan from .We have a Rochdale conveyancing practitioner but informed us she’s not listed on their "panel". We have to appoint a panel lawyer or retain our high street solicitor and pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?

Unfortunately,no. The mortgage offered to you contains terms and conditions, one of which will be that solicitors will be on the approved list. Until recently, most lenders 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 lawyer to apply to be on the conveyancing panel for

I am buying a new build apartment in Rochdale. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Here is a sample of a few leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Rochdale

Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? There must be mutual enforceability of lessee’s covenants. Forfeiture - bankruptcy or liquidation must not apply under this provision. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.

I'm refinancing my current house to a BTL loan with and intend to use the remaining equity as a down payment on a second property. The neighborhood we are looking at is Rochdale. Will your lawyers be able to act for both sets of mortgage companies and link together the two deals?

Make use of our comparison tool on this page to check that the conveyancers are on the appropriate lender panels. Assuming that they are your solicitor should be able to connect the two deals but you should talk with you solicitor and communicate your expectations and requirements.