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Find a Comberton Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Comberton? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Comberton conveyancing at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Comberton conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Comberton

I am being told by my conveyancer that lack of right of way insurance is required on my purchase. What is the typical level of cover needed for conveyancing in Comberton?

The right level of lack of right of way indemnity insurance should be dictated by who who your lender is. It would differ for example between Accord Mortgages Ltd and Coventry Building Society. Conveyancing practitioners as opposed to members of the public take out such policies.

I'm the single beneficiary of my late father’s will and I have everything in my name alone, including the my former home in Comberton. The Comberton property was put into my name in September. I now wish to sell up. I do know about the CML 6 month 'rule', which means that my proprietorship could be treated the same way as if I'd bought the house in September. Will no one buy the property for half a year?

The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be affected by that. many mortgage companies would take a practical view as this requirement chiefly exists to capture subsales or the quick reselling of property.

I am purchasing a property in Comberton. One unusual aspect is that the roof has a solar panel. Aldermore have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?

Given that your lender is Aldermore your lawyer must comply with the conveyancing requirements contained in Part two of UK Finance Lenders’ Handbook for Aldermore. The CML Handbook stipulates minimum requirements for solar panel roof-space leases, and conveyancers are required to report to Aldermore where a lease fails to comply with these provisions. The specifications relate to the installation of panels on properties countrywide and is not limited to Comberton.

Do I need to pay for insurance to cover chancel repairs when acquiring a residence in Comberton?

Unless a prior acquisition of the property completed post 12 October 2013 you can assume that lawyers conducting conveyancing in Comberton to remain encouraging a chancel search and or insurance against a claim.

My wife and I own a terraced Georgian house in Comberton. Conveyancing solicitor represented me and Santander. I happened to do a free search for it on the Land Registry database and I saw a couple of entries: the first freehold, the second leasehold under the matching address. I'd like to know for sure, how can I find out??

You need to assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Comberton and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the situation with the conveyancing practitioner who carried out the work.

My husband and I are a fortnight into a residential purchase having been referred to conveyancers by the local agent to perform conveyancing in Comberton. I am am very disappointed with the quality of service. Can you you assist me in finding new lawyers?

They would need to be really poor in order to consider diss instructing them. Has the mortgage been sent? In the event that it has you will need to inform them of the replacement solicitor and get the loan are re-issued. The conveyancer should be on the banks panel to avoid added expenses and complications. So that should be your starting point. The search tool will assist you in finding a bank approved solicitor for your home move in Comberton

When it comes to leasehold conveyancing in Comberton what are the most common lease defects?

There is nothing unique about leasehold conveyancing in Comberton. Most leases are unique and drafting errors can sometimes mean that certain clauses are not included. The following missing provisions could result in a defective lease:

    A provision to repair to or maintain parts of the property

You could encounter a problem when selling your property if you have a defective lease as they can affect a potential buyer’s ability to obtain a mortgage. Santander, The Mortgage Works, and Aldermore all have very detailed conveyancing instructions when it comes to what is expected in a lease. Where a lender has been advised by their lawyers that the lease is problematic they may refuse to grant the mortgage, obliging the purchaser to withdraw.

Leasehold Conveyancing in Comberton - Examples of Questions you should ask Prior to buying

    For most Comberton leaseholds the cost for major works are not built into the service charges, albeit that a few managing agents in Comberton require leasehold owners to contribute towards a sinking fund and this is used to offset against larger repairs or maintenance. It would be prudent to enquire if the the lease includes any unreasonable restrictions in the lease. For example it is fairly common in Comberton leases that pets are not allowed in certain buildings in Comberton. If you love the apartmentin Comberton yet your cat can’t live with you then you have a very hard decision. Are there any major works in the planning that could add a premium to the maintenance costs?

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