Much to our surprise we have been advised by our mortgage adviser that my Winsford the law firm I have appointed is not on the lender Conveyancing panel. How can I be sure that this is correct?

The best course of action for you to take is to call your Winsford lawyer directly. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your bank.

My grandmother passed away 10 months ago and as sole heir and executor I was left the property in Winsford. The house had a relatively small loan left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Lloyds, pay off the mortgage. Is this possible?

Where you intend to refinance then Lloyds will insist on your using a conveyancer on the Lloyds 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 Lloyds 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 Lloyds mortgage is registered as a charge at the Land Registry.

Is there a list of Aldermore panel conveyancers in Winsford on the UK Finance Lenders’ Handbook Website?

No. There is no such directory service 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 Winsford lawyer on the Aldermore please use our tool.

We are getting a further advance on our mortgage from HSBC as we intend to conduct alterations to our home in Winsford. Do we need to choose a high street Winsford solicitor on the HSBC conveyancing panel to handle the legals?

HSBC do not ordinarily instruct firms on their conveyancing panel to handle the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the HSBC list.

The mortgage over my property is with UBS for my property in Winsford. Conveyancing was finalised 12 months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform UBS?

You must advise UBS prior to letting out your property as this is likely to be a breach of UBS’s mortgage conditions. It may be that UBS will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact UBS directly. It should not be necessary to do this via a UBS conveyancing panel solicitor.

Just had an offer accepted on a new build apartment in Winsford. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Here are examples of a few leasehold new build enquiries that you can expect your new-build leasehold conveyancing in Winsford

If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal. Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Please confirm the Lease plans are surveyor prepared. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided. Has the Lease plan been approved by the Land Registry and if not when will they be lodged for this purpose?

Is it possible to transfer to a new solicitor as I have to choose one who is on the Skipton Building Society conveyancing panel. I instructed a family conveyancing solicitor in Winsford five minutes from me but he is not accepted by Skipton Building Society

It would be our pleasure to help you select a conveyancing solicitor in Winsford on the Skipton Building Society panel. Please note that the property lawyers that we on the directory do not pay us a referral fee if you instruct them and are registered with the SRA who regulate all conveyancing solicitors in Winsford. Using search facility on this page, you can contrast fees for conveyancing solicitors in Winsford and throughout England and Wales.