I just bought a house at auction in Lymm. Conveyancing is necessary. What is next?

Having legally committed yourself to purchase you will need to retain a conveyancing solicitor as a matter of urgency as you will have a tight a drop dead date to complete the conveyancing. An auction property should have a corresponding legal set of papers. This will likely include most,if not all of the documents that your lawyer requires. If you have purchased leasehold property the conveyancing pack may include a copy of the lease, management information and a sellers leasehold information form and other conveyancing documentation pertinent to leasehold premises. You need to pass this on to your appointed conveyancing solicitor at the earliest opportunity. You also need to ensure that your finances are in order to complete on the date specified in the contract.

Can you point me to a directory of HSBC panel solicitors in Lymm on the UK Finance Lenders’ Handbook Website?

Unfortunately not yet. There is no such tool on the CML or Building Society Association websites. A small selection of mortgage companies make their panel listings viewable online. If you are in need of a Lymm conveyancing practitioner on the HSBC please use our facility.

We are getting the release of further monies on our home loan from Bank of Ireland as we wish to carry out renovations to our home in Lymm. Are we obliged to appoint a bricks and mortar Lymm solicitor on the Bank of Ireland conveyancing panel to deal with the legals?

Bank of Ireland don't usually instruct a member of their approved list of lawyers to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Bank of Ireland conveyancing panel.

Is it necessary to pay for insurance to protect me from financial exposure to chancel repairs when purchasing a property in Lymm?

Unless a prior purchase of the house took place after 12 October 2013 you could expect solicitors delivering conveyancing in Lymm to continue to recommend a chancel search and or insurance against a claim.

Are there restrictive covenants that are commonly identified during conveyancing in Lymm?

Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in Lymm. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I opted to have a survey completed on a house in Lymm before instructing conveyancers. I have been told that there is a flying freehold element to the property. The surveyor has said that some banks will refuse to issue a mortgage on this type of property.

It varies from the lender to lender. Santander has different requirements from Halifax. If you contact us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Lymm. Conveyancing will be smoother if you use a solicitor in Lymm especially if they are acquainted with such properties in Lymm.

Is it true that a Lymm conveyancing solicitor got sued by clients for not carrying out the right conveyancing searches?

Our attention has not be brought to such a Lymm conveyancing claim but according to a recent report, clients buying a house elsewhere in England successfully sued their conveyancing practitioner as a consequence of development plans to construct a wind farm failing to be identified in conveyancing searches.

Where you are thinking of buying a home in Lymm It is important that your conveyancing practitioner carry out all Lymm conveyancing searches necessary making sure that you have accurate and current information ahead of acquiring a home in Lymm.