We are planning to acquire a 3 bedroom apartment in Romiley with a mortgage. We like our Romiley conveyancer, however the lender advise he's not on their "panel". It appears that we have no option but to use one of the lender panel solicitors or retain our Romiley as well as pay for one of their panel firms to act for them. We consider that this is unjust; are we not able to insist that the lender use our Romiley ?

Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms 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. Another option that might be available is for your Romiley conveyancing solicitor to apply to be on the conveyancing panel.

Why is leasehold purchase conveyancing in Romiley costs more?

Romiley leasehold conveyancing transactions usually involve additional investigations than freeholds including investigating the Lease, liaising with the Landlord such as serving relevant notices on the Landlord or managing agent, obtaining up-to-date service charge and management information, obtaining Landlord’s consents and reviewing management accounts and formation documents.

Despite weeks of looking the Title Certificate and documents to my property are lost. The solicitors who dealt with the conveyancing in Romiley 5 years ago are no longer around. What are my options?

In today’s world there are duplicates made of almost everything, and your conveyancer will know exactly where to locate all the suitable paperwork so you may purchase or sell your property without any difficulty. If copies can’t be located, your solicitor can put in place insurance or indemnities protecting you against future claims on the premises.

Back In 2006, I bought a leasehold flat in Romiley. Conveyancing and mortgage went though with no issue. A letter has just been received from someone claiming to own the reversionary interest in the property. Attached was a demand for arrears of ground rent dating back to 1992. The conveyancing solicitor in Romiley who acted for me is not around. Do I pay?

The first thing you should do is make enquiries of the Land Registry to be sure that the individual purporting to own the freehold is in fact the registered owner of the freehold reversion. There is no need to instruct a Romiley conveyancing lawyer to do this as it can be done on-line for a few pound. Rest assured that regardless, even if this is the rightful landlord, under the Limitation Act 1980 no more than 6 years of rent can be collected.

Romiley Leasehold Conveyancing - A selection of Queries before buying

This information is helpful as a) areas could cause problems in the block as the common areas may begin to deteriorate where maintenance are not paid for b) if the leasehold owners have a dispute with the running of the building you will want to know about it How much is the ground rent and service charge? How is the lease structured?

I previously told by my lender that their approved conveyancers work on no move no charge basis for conveyancing in Romiley. I had a purchase abort yet the solicitors have invoiced for search fees! They say the fees are seperate!

in offering "no sale no fee" Romiley conveyancing lawyers are foregoing their fees for any work carried out. We must stress this does not constitute an insurance scheme. Disbursements aren’t covered – where the have to pay money out to third parties, e.g. Romiley local search fees