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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 conveyancing 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

We are about to sign contracts for a property in Cottenham. We encountered a snag. The mortgage offer with The Mortgage Works expires on 24/1/2022 but the sellers are putting forward a completion date of 26/1/2022. Is it possible to extend the loan offer?

The best person to address this issue is your conveyancer who will hopefully assess whether they should be discussing with the mortgage broker, vendor’s lawyers, property agents or indeed all three based on the circumstances your house move as of today.

My grandfather passed away last year and as sole heir and executor I was left the house in Cottenham. The house had a relatively small loan remaining of approximately £5k. I want to have the title changed into my name whilst I re-mortgage to Bank of Ireland, pay off the mortgage. Is this possible?

If you intend to refinance then Bank of Ireland will insist on your using a conveyancer on the Bank of Ireland 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 Bank of Ireland 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 Bank of Ireland mortgage is registered as a charge at the Land Registry.

Is there a list of Leeds Building Society panel solicitors in Cottenham on the Council of Mortgage Lender’s Website?

Unfortunately not yet. There is no such facility on the CML or Building Society Association websites. Very few lending institutions make their panel listings visible on the web. Where you are in need of a Cottenham conveyancer on the Leeds Building Society please use our facility.

I have paid off my mortgage with Aldermore. I assume I don't need a Cottenham property lawyer on the Aldermore panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your Aldermore mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Aldermore mortgage from the register. Aldermore, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

  1. but are not moving to another property
  2. where Aldermore has sent the Land Registry the discharge electronically, and
  3. Aldermore has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Aldermore mortgage has been paid off.

After shopping around on the internet I have found a Cottenham property lawyer having checked that they are on the Coventry BS conveyancing panel. Does my lawyer arrange the survey of the property?

Coventry BS will need an independent valuation of the property. Your lawyer will not arrange this. Usually Coventry BS will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your solicitor will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Cottenham postcode. As you are getting a mortgage with Coventry BS, you could contact them to see if they have a list of approved surveyors in Cottenham.

Are there restrictive covenants that are commonly picked up during conveyancing in Cottenham?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Cottenham. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

How does conveyancing in Cottenham differ for new build properties?

Most buyers of new build or newly converted property in Cottenham approach us having been asked by the housebuilder to exchange contracts and commit to the purchase even before the property is ready to move into. This is because builders in Cottenham usually purchase 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 conveyancing solicitors 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 accustomed to new build conveyancing in Cottenham or who has acted in the same development.

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