I have an AIP. The bank mentioned the home loan came with free conveyancing. Does this mean I have to instruct their panel conveyancer as I would much rather appoint a Rusholme based conveyancing firm?

Do check but the the probability is that appoint one of their panel solicitors if you accept the "fee-free" deal. Call the mortgage company and determine if they make available a cash alternative. It is not unheard for a lender to give a £250 cashback as an alternative in which case you could put that amount towards the cost for your conveyancing solicitor in Rusholme.

A relative advised me that in buying a property in Rusholme there may be various restrictions affecting the ability to carry out external changes to a property. Is this right?

We are aware of a number of properties in Rusholme which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Rusholme should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

Is there a list of Santander panel solicitors in Rusholme on the Council of Mortgage Lender’s Website?

No. There is no such directory service on the Council of Mortgage Lenders or Building Society Association websites. Very few banks make their panel listings available online. Where you are looking for a Rusholme solicitor on the Santander please make the most of our facility.

We had chosen conveyancing lawyers with offices in Rusholme on the Principality solicitor panel. They are now charging me a supplemental amount for dealing with the Principality mortgage. Is this a supplemental conveyancing fee set by Principality?

Provided it is contained in their Terms of Engagement or Quote then yes your conveyancer is entitled to levy a fee for this. This charge is not dictated by Principality but by your Rusholme property lawyer. Some firms on the Principality panel will levy an ‘acting for lender’ fee but some practices incorporate it on their overall fee.

What does commercial conveyancing in Rusholme cover?

Commercial conveyancing in Rusholme covers a wide array of advice, offered by qualified solicitors, relating to business premises. By way of example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more commonly, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.

I am 17 days into a residential purchase having been directed to solicitors by the high street agent to handle our conveyancing in Rusholme. We are not happy. Can you you assist me in finding new lawyers?

They would need to be very bad to suggest replacing them. Has your mortgage been generated? If so you must advise them of the new contact details and have the offer are re-sent. Your solicitor ideally needs to be on the mortgage company panel to avoid escalating charges and complications. So that should be your starting point. The find a solicitor tool can help you find a bank approved solicitor for your home move in Rusholme

I have miscalculated my finances and am a couple of grand short a 10% deposit on my flat purchase in Rusholme , but I am anxious proceed. What can I do?

You can agree a lower deposit. Many property owners will accept a lower deposit or even no deposit for a first time buyer or 100% mortgage. Be aware though that if you fail to complete you will still need to hand over a minimum of 10% of the purchase price regardless of how much deposit was agreed.

You can also agree a simultaneous exchange and completion as no deposit is required for this however neither party will be tied in until completion actually takes place and it can be risky if sellers change their mind at the last minute