My fiance and I are intent on buying a flat in Stockport. My lawyer is not on the bank approved list. Am I still permitted to use my Stockport conveyancing solicitor notwithstanding that they are excluded from the mortgage company approved list?

You must appoint a conveyancer to complete the formalities when you require a loan to purchase your home. The conveyancer will carry out all the appropriate legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the required mortgage paperwork is dealt with. One may appoint a Stockport lawyer of your choice. However, where the conveyancer selected is not on the bank solicitor panel supplemental costs will arise as separate legal representation will be required by them. Bank panel applications may be submitted, so provided your lawyer has not in the past applied for membership they can do so.

Can the conveyancing solicitors listed on your site conduct right to buy conveyancing in Stockport?

We work with plenty of conveyancing specialists who can handle right to buy conveyancing work Do contact the lawyers listed in order to obtain a conveyancing quote.

My uncle passed away 10 months ago and as sole heir and executor I was left the house in Stockport. The house had a relatively small loan remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Clydesdale, pay off the mortgage. Is this possible?

If you intend to refinance then Clydesdale will require that you use a conveyancer on the Clydesdale conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Clydesdale conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Clydesdale mortgage is registered as a charge at the Land Registry.

It is not clear whether my mortgage offer requires a lease extension. I have called into my local Stockport bank branch on a couple of occasions and was told they are content with the situation and they would lend. My Stockport conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they refuse to lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?

Your lawyer has to comply with the Council of Mortgage Lenders’ Handbook section two provisions for your lender. Unless your lawyer obtains specific confirmation in writing that the bank 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 lender to contact your lawyer in writing confirming that they will accept the number of years left on the lease.

I am selling my flat. I had a double glazing fitted in September 2007, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Co-operative are being difficult. The Stockport solicitor who is on the Co-operative conveyancing panel is recommending indemnity insurance as a solution but Co-operative are insisting on a building regulation certificate. Why do Co-operative have a conveyancing panel if they don't accept advice from them?

It is probably the case that Co-operative have referred the matter to their valuer. The reason why Co-operative 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 was told three weeks ago that my mortgage has been agreed to by Aldermore. Is it usual for Aldermore to only issue the offer once my solicitor in Stockport is approved on their conveyancing panel? Aldermore have asked my solicitor to see a copy of their PI Insurance.

A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Aldermore to deal with your lawyer's application to be on the Aldermore conveyancing panel. There's no guarantee that your solicitor will be accepted.

Estate agents have just been given the go-ahead to market my ground floor flat in Stockport. Conveyancing solicitors are to be appointed soon, but I have recently received a yearly service charge demand – what should I do?

Your conveyancing lawyer is likely to suggest that you should discharge the service charge as usual as all rents and maintenance invoices should be apportioned as part of the financial calculations for completion monies, so you will be reimbursed by the buyer for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

I am the registered owner of a 1 bedroom flat in Stockport, conveyancing having been completed half a dozen years ago. Can you shed any light on how much the price could be for a 90 year extension to my lease? Similar flats in Stockport with over 90 years remaining are worth £201,000. The ground rent is £45 levied per year. The lease terminates on 21st October 2089

With only 64 years unexpired we estimate the price of your lease extension to span between £14,300 and £16,400 plus costs.

The suggested premium range that we have given is a general guide to costs for extending a lease, but we cannot give you the actual costs in the absence of comprehensive investigations. Do not use the figures in a Notice of Claim or as an informal offer. There are no doubt other concerns that need to be considered and you obviously should be as accurate as possible in your negotiations. Please do not move forward based on this information before getting professional advice.