I am need of leasehold conveyancing for an apartment in a relatively new development (6 years built) in Cottenham Park. 95% of the properties have already been occupied. Do I need carry out the local searches for my conveyancing in Cottenham Park?
You are opening yourself up to an unnecessary risk in refusing to carrying out Cottenham Park conveyancing searches. Without searches you have no clarity over flooding, environmental etc which may mean you walk away due to potential problems down the line. If you are buying mortgage free there is no legal requirement to have them, but we would seriously advise in no uncertain terms that you have them. If speed and expenses are top of your concerns you should consider with your conveyancer about the options such as contingency insurance available to you
I am purchasing a house and require a conveyancing solicitor in Cottenham Park who is on the Santander solicitor. Can you recommend a local conveyancing firm?
Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Santander in certain locations such as Cottenham Park. We dont recommend any particular firm.
We are buying a terrace house in Cottenham Park. We would like to convert the garage to an office at the house.Will legal conveyancing on the property include enquiries to determine if these works are prohibited?
Your conveyancer will check the deeds as conveyancing in Cottenham Park will sometimes reveal restrictions in the title deeds which restrict categories of alterations or need the permission of a 3rd party. Certain additions require local authority planning consent and approval under the building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. It would be prudent to check these things with a surveyor ahead of any purchase.
I have a mortgage with RBS for my property in Cottenham Park. Conveyancing has been completed a year ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform RBS?
RBS must be informed of your intention before renting your property as this is likely to be a breach of RBS’s mortgage conditions. It may be that RBS 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 RBS directly. It should not be necessary to do this via a RBS conveyancing panel lawyer.
After shopping around on the internet I have found a Cottenham Park property lawyer having checked that they are on the Clydesdale conveyancing panel. Does my lawyer arrange the survey of the property?
Clydesdale will need an independent valuation of the property. Your lawyer will not arrange this. Usually Clydesdale 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 conveyancer 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 Park postcode. As you are getting a mortgage with Clydesdale, you could contact them to see if they have a list of approved surveyors in Cottenham Park.
Yesterday I discovered that there is a flying freehold issue on a house I have offered on a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. Cottenham Park is the location of the property. Is there any guidance you can give?
Flying freeholds in Cottenham Park are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Cottenham Park you must be sure that your lawyer goes through the deeds very carefully. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cottenham Park 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.
My husband and I are a couple of weeks into a residential purchase having been referred to solicitors by the local agent to handle our conveyancing in Cottenham Park. I am am extremely frustrated with the level of service. Could you help me find new solicitors?
A solicitor would need to be very poor to suggest replacing them. Has the mortgage been generated? In the event that it has you need to advise them of the new conveyancer and get the loan are re-issued. The conveyancer needs to be on the banks approved list to avoid added costs and delays. So that should be your first question of the new conveyancers. The find a solicitor tool can assist you in finding a bank approved conveyancer for your home move in Cottenham Park