Congleton Office : 01260 279414

Macclesfield Office : 01625 429511

Conveyancing

We have an experienced team who offer a friendly professional service to clients nationwide at competitive prices.

Conveyancing - Areas of Expertise

Residential Conveyancing
Commercial Conveyancing
Re-mortgage
Landlord and Tenant


Call Now For More Information Macclesfield Office : 01625 429511
Congleton Office : 01260 279414

Residential Conveyancing

Your house is probably your major capital asset and as such needs professional advice and guidance. Wains understand there can be many problems, which can be associated with buying and selling property such as:

Is the title in order and does the seller have the legal right to sell the property?
Are the boundaries in order? Are there any disputes with the adjoining owners?
Are there any road charges or other outstanding financial penalties affecting the property?
Is it likely to be included in a future Compulsory Purchase Order?
What fittings and other items are being left by the seller in the property? 

Wains can help answer such questions and aim to ensure the transaction is dealt with as efficiently and as speedily as possible and resolve any queries. You will be kept fully informed of developments as they occur and throughout you will receive sound legal and practical advice as the matter proceeds. 

We provide full written estimates of cost which will show not only the cost of sale and purchase and any mortgage funds to be paid or received but also payments which they have to make in the course of the transaction such as VAT, search fees, stamp duty and land registration fees. Such information will enable you to budget more accurately. Our glossary of useful information will also help you remain informed about the transaction. 

Commercial Conveyancing 

Whether it is a corner shop or a shopping mall, an office or an office block, an industrial unit or a factory, Wains are able to advise on short and long term planning issues, rent reviews, restrictions on development and use, property management issues, access rights and signage etc.

Landlord and Tenant

Our solicitors at Wains can assist in matters such as drafting tenancy agreements, issues involving leases and other related Landlord and Tenant affairs both residential and commercial.

Re-mortgage

We will obtain your title deeds and a redemption figure from your current mortgage lender. We will deal with your new mortgage and apply for relevant searches. After arranging completion and redeeming your old mortgage we will complete the remaining registration work and provide you with any balance due to you.

 

Useful information

Wains will help you understand your sale or purchase transaction with the following definitions:

Absolute title
This title gives you complete and outright ownership of a property.

Charge
An entry in the Land Registry records that indicates the offering of a property as collateral for a loan, i.e. mortgage.

Completion
When the transfer of ownership of a property takes place from vendor to purchaser takes in exchange for the balance of the purchase price and hand over of necessary documentation.

Contract
Any agreement that is legally binding. When applied to the sale of a property, this is a document which comprises of two identical parts, one signed by the purchaser and one signed by the vendor.  At the moment of exchange of both of the parts, both parties are completely committed to completing the transaction. Ownership of the property transfers from one to the other in exchange for payment of full purchase price.

Transfer
The deed which, in the event of a freehold property having unregistered title, transfers ownership of the title to the purchaser. In the event of a property being leasehold, the deed remains the same but is then called an assignment. If the title is registered the deed is then called a transfer.

Deeds/Office Copy Entries
Legal documents confirming your entitlement to ownership of a property.

Exchange of Contracts
The contract becomes legally binding when the signed part of the of the vendor’s contract and the signed part of the purchaser’s contract are exchanged between the two parties.

Enquiries before contract 
Before a purchaser signs a contract, either party is fully entitled to ask detailed questions regarding aspects of the prospective purchase property. The sellers Solicitor is requested to answer these queries fully before contracts are signed. 

Freehold
The outright and absolute ownership of land and any property which stands on it.

Land Registry
An official government office which registers and maintains details of land ownership and changes related to ownership.

Leasehold
A situation where a property is built on land owned by a person or organisation other than the owner of the property built on that land. The leaseholder will have occupational rights for a fixed term in accordance with the lease which is subject to terms and conditions.

Redemption
The mortgage is finished when the final payment is made by the borrower. In the event of the mortgage being repaid earlier than agreed, a specific charge called a early redemption fee may apply.

Searches
Questions asked by a potential purchaser’s solicitor to various bodies such as the Local Authority and Environment Agency.

Subject to Contract
A provisional agreement made orally or in writing between the vendor and purchaser, but either party can still withdraw from the transaction without giving a reason.

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We are authorised and regulated by the Solicitors Regulation Authority No. 78231