I just acquired a house at auction in Stockport. Conveyancing is necessary. What happens now?

Now that you have for all intents and purposes signed on the dotted line you will need to appoint a conveyancing solicitor as a matter of urgency as you now have a pending deadline in which to complete the deal. An auction property will have an associated legal pack. This will likely include evidence of title and search results. If you have purchased leasehold property the conveyancing papers may contain a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation relating to a leasehold property. You need to hand this to your appointed conveyancing solicitor at the earliest opportunity. You also need to ensure that your finances are organised to complete on the date specified in the contract.

It is unclear whether my bank requires a lease extension. I have called my Stockport building society branch on numerous occasions and was told it does not affect the mortgage offer and they would lend. My Stockport conveyancing solicitor - who is on the mortgage company conveyancing panel- called to say that they will not lend in accordance with their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?

As long as the is on the lender approved list, she or he must comply with the Council of Mortgage Lenders’ Handbook requirements for the lender. Unless your lawyer obtains specific confirmation in writing that the mortgage company will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

I am due to exchange contracts on my apartment. I had a double glazing fitted in August 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, are being difficult. The Stockport solicitor who is on the conveyancing panel is saying indemnity insurance will be fine but are requiring a building regulation certificate. Why do have a conveyancing panel if they don't accept advice from them?

It is probably the case that have referred the matter to their valuer. The reason why may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.

I am intent on selling our home in Stockport and according to the buyers it appears that there is a possibility that the property was built on contaminated land. A high street Stockport conveyancer would know this is not the case. It does beg the question why the purchasers instructed an online conveyancing firm as opposed to a conveyancing solicitor in Stockport. Having lived in Stockport for many years we know that this is a non issue. Is it a good idea to contact our local Authority to get confirmation that there is no issue.

It sounds as though you may have a conveyancing lawyer currently acting for you. What do they say? You must enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same illness)

I'm purchasing a new build house in Stockport with a loan from . The developers refused to move on the price so I negotiated five thousand pounds worth of fixtures and fittings instead. The property agent suggested that I not inform my conveyancer about the deal as it could put at risk my loan with the bank. Is this normal?.

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.

Given that I will soon part with hundreds of thousands of pounds on 3 bedroom house in Stockport I wish to talk to a lawyer regarding thehome move prior to appointing the firm. Is this something that you can arrange?

This is something that we recommend - we would be delighted to talk to you we do not take any clients on without you first talking to the solicitor due to be conducting your property ownership legalities in Stockport.There is no ‘factory style conveyancing’ - each client is unique individual, not a case reference. The solicitors that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in Stockport should be the amount on the final invoice that you end up paying.

I am purchasing a leasehold property in Stockport. Conveyancing estimates are averaging around £1800. Is that reasonable?

The average fee in 2014 for conveyancing in Stockport was £1,500 not including Land Tax and HM Land Registry charges.