My IFA says he needs my Stalybridge law firm’s panel reference for the HSBC conveyancing panel. How do I find this out. I have e-mailed my local Stalybridge office but they have not got back to me yet.

The sensible thing to do is ask for this information from your Stalybridge solicitor . Most Stalybridge law practices will retain a file or database of lender panel information which would include, if applicable, their conveyancing panel details for each lender.

We are purchasing a brand new duplex in Stalybridge and my lawyer is advising me that she is duty bound to the mortgage company to disclose incentives from the developer. I am nearing the developer’s deadline to exchange contracts and I don't want to delay matters. is my lawyer playing by the book?

You should not exchange unless you have been advised to do so by your lawyer. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook conditions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.

I am buying a new build apartment in Stalybridge. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Set out below are examples of a selection of leasehold new build questions that you should expect your new-build leasehold conveyancing in Stalybridge

Please confirm the Lease plans are architect prepared. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose? Forfeiture - bankruptcy or liquidation must not apply under this provision. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified.

I've recently found out that there is a flying freehold issue on a property I put an offer in a fortnight ago in what should have been a simple, chain free conveyancing. Stalybridge is the location of the property. Can you offer any assistance?

Flying freeholds in Stalybridge are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Stalybridge you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Stalybridge 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.

Am I better off to appoint a Stalybridge conveyancing solicitor who is local to the property I am hoping to buy? We have a good friend who can deal with the legal formalities however her office is 400miles drive away.

The primary upside of using a local Stalybridge conveyancing practice is that you can visit the firm to execute paperwork, hand in your identification documents and apply pressure on them where appropriate. They will also have local intelligence which is a benefit. However it's more important to get someone that will pull out all the stops for you. If you know people who instructed your friend and on the whole were impressed that must outweigh using an unknown Stalybridge conveyancing lawyer solely due to them being round the corner.