We hope to to buy with Melton Mowbray Building Society. We have called around locally but cant to find a Cobham conveyancing firm on the Melton Mowbray Building Society panel. Could you assist?

Feel free to make use of the find a conveyancing panel solicitor tool on this site. Pick the building society and type Cobham or your location and you will be presented with numerous solicitors based in Cobham or near you.

three months have elapsed following my purchase conveyancing in Cobham concluded. I have checked the Land Registry site which shows that I paid £150,000 when infact I paid £215,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the residence from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

In my capacity as executor for the estate of my grandmother I am disposing of a property in Cardiff but live in Cobham. My solicitor (approximately 300 miles awayrequires that I sign a stat dec ahead of the transaction finalising. Can you recommend a conveyancing practitioner in Cobham who can witness this legal document for me?

strictly speaking you are not likely to need to have the documents attested by a conveyancing solicitor. Normally or notary public or solicitor will be fine regardless of whether they are located in Cobham

My partner and I may need to rent out our Cobham basement flat temporarily due to a career opportunity. We used a Cobham conveyancing practice in 2004 but they have closed and we did not have the foresight to get any advice as to whether the lease permits subletting. How do we find out?

A lease dictates relations between the landlord and you the flat owner; in particular, it will set out if subletting is banned, or permitted but only subject to certain conditions. The rule is that if the lease contains no specific ban or restriction, subletting is allowed. Most leases in Cobham do not contain an absolute prevention of subletting – such a clause would undoubtedly devalue the property. Instead, there is usually a basic requirement that the owner notifies the freeholder, possibly sending a duplicate of the sublease.

Leasehold Conveyancing in Cobham - Examples of Queries before buying

How many of the leaseholders are in arrears for their maintenance charge payments? Plenty Cobham leasehold properties will be liable to pay a service charge for maintenance of the block set by the management company. Where you purchase the flat you will have to pay this charge, normally periodically throughout the year. This could vary from a few hundred pounds to thousands of pounds for bigger purpose-built buildings. In all probability there will be a ground rent to be met annual, normally this is not a significant sum, say around £50-£100 but you should to enquire as occasionally it can be many hundreds of pounds.

We are planning to purchase a four bedroom ground floor flatin Cobham with a residential mortgage from a bank. We wish to instruct our lawyer in Cobham yet our lender inform us now that he's not on their "panel". We have to appoint from the our mortgage company panel solicitors or keep our Cobham solicitor and incur the extra costs for one of their panel ones to represent our lender. We feel as though this is unjust; is there anything we can do?

Unfortunately,no. The lender home loan issued is subject to its terms and conditions, one of which will be that solicitors will on the mortgage company's conveyancing panel. Until recently, most banks had large numbers of law firms on their panels, including most conveyancing solicitors in Cobham : a mortgagee 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 solicitors to apply to be on the conveyancing panel for your lender.