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Find a Cottenham Conveyancing Solictior on Your Lender’s Panel

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

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


Recently asked questions about conveyancing in Cottenham

It is 10 years ago since I purchased my property in Cottenham. Conveyancing solicitors have now been instructed on the sale but I can't find my deeds. Will this cause complications?

You need not be too concerned. Firstly the deeds may be with your lender or they could stored with the lawyers who acted in the purchase. Secondly in all probability the land will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. The vast majority of conveyancing in Cottenham involves registered property but in the rare situation where your home is unregistered it is more of a problem but is not insurmountable.

I am helping my sister sell her flat in Cottenham. Does the conveyancing solicitor arrange an energy assessment or should I organise this?

After the abolition of HIPs, energy assessments was left as a required component of selling a house. An energy assessment must be commissioned in advance of the property being marketed. This is not a task that conveyancers ordinarily arrange. If you are using a Cottenham conveyancing practitioner they may be able to arrange energy performance certificates due to their relationships with reputable local assessors

Can I be sure that the Cottenham conveyancing solicitor on the RBS panel is any good?

When it comes to conveyancing in Cottenham seeking recommendations is a sensible starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the lawyer carrying out your conveyancing.

I recently had an offer agreed on a house in Cottenham. My financial adviser suggested a lawyer. I paid an upfront payment of £200. Not long after, the conveyancing practitioner contacted me to say that they were not on the TSB conveyancing panel. Am I right in thinking that I should be due a refund?

You should be able to recover this from the law firm if they were not on the TSB panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

How does conveyancing in Cottenham differ for newly converted properties?

Most buyers of new build or newly converted property in Cottenham contact us having been asked by the housebuilder to sign contracts and commit to the purchase even before the property is completed. This is because builders in Cottenham typically acquire the real estate, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Cottenham or who has acted in the same development.

Yesterday I discovered that there is a flying freehold element on a property I put an offer in a fortnight ago in what was supposed to be a quick, chain free conveyancing. Cottenham is where the house is located. Can you offer any advice?

Flying freeholds in Cottenham are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Cottenham you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cottenham may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.

Is there a reason that Cottenham conveyancing charges are higher for leasehold and freehold properties?

When buying a leasehold property there is more work involved purely due to the fact that usually there are further parties involved in the form of the freeholder and/or Management Agents. As part of a lawyers enquiries they will check that all ground rent and service charges are paid up to date amongst other general leasehold matters. For this reason, the Sellers lawyers usually have to refer to the freeholder or Managing Agent for their replies to our questions. This may be time consuming and beyond the lawyers control

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Find out more about how flying freehold can affect your the value of a property.