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 may have been a long time coming a loan offer from Nationwide for the remortgage of my single room garden flat is to be issued within the next few days. Can you suggest a cheap conveyancing lawyer in Cottenham?

You have arrived at the wrong site to search for the cheapest conveyancing solicitors in Cottenham. Our aim is to provide excellent value conveyancing but we do not aim to work with the cheapest lawyers. Do not be swayed by organisations offering low cost conveyancing in Cottenham. Optimistically, in deciding on low cost conveyancing, you will earn what you pay for and at worst it will result in you with a hefty uplift in extras and still not receive the service expected.

IfI was to buy a straightforward homein Cottenham mortgage fee and dispense with a survey and no local authority searches how much should I expect to to save on my conveyancing in Cottenham?

The only saving you would achieve is the disbursement for searches. The solicitor still be obliged to do everything else - money laundering, communicating with the sellers property lawyer, stamp duty submission, register the property etc. You might save a bit for them not having to register a charge however it will not be significant.

I have been recommended a conveyancing solicitor in Cottenham. I need to find out whether they are on the Bank of Scotland approved list of lawyers. Could you help?

You should e-mail the solicitor and enquire whether they can act for the bank. Otherwise you can call Bank of Scotland who may be able to help.

I just acquired a flat at auction in Cottenham. Conveyancing is required. What are my next steps?

Having exchanged you will need to retain a conveyancing solicitor soon as you are faced with a fast approaching a drop dead date to complete the purchase. All auction property will have a corresponding legal pack. This will likely include evidence of title and search results. If you have purchased leasehold property the auction papers may include a copy of the lease, management information and a sellers leasehold information form and associated conveyancing documentation specific to leasehold premises. You should give this to your appointed conveyancing solicitor at the earliest opportunity. Do make sure that your finances are in order to complete the transaction on the set completion date.

I'm in the throws of looking at apartments in Cottenham and I am now considering a potential offer. Is it premature to have a solicitor in place? I am planning to take a mortgage with HSBC.

It would be wise to start your search sooner rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their contact information on to the EA. As you are seeking a mortgage with HSBC, ask your prospective lawyers if they are on the HSBC conveyancing panel otherwise they can't do the mortgage legal work.

The mortgage over my property is with Barclays for my property in Cottenham. Conveyancing was finalised 12 months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Barclays?

Your original mortgage agreement with Barclays will provide that you need their approval prior to letting out your property as this is likely to be a breach of Barclays’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Barclays directly. You need not do this via a Barclays conveyancing panel lawyer.

My wife and I purchased a renovated Edwardian house in Cottenham. Conveyancing practitioner acted for me and Bank of Ireland. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, the second leasehold under the matching address. I thought I was buying a freehold how can I check?

You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Cottenham and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also check the situation with your conveyancing practitioner who conducted the work.

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