I am not well enough to travel far from Cottesmore. What is the rationale as to why all Cottesmore conveyancers aren't automatically on all lender panels?
Even though it may seem unfair for mortgage companies to restrict who can act for them, from the public’s or lawyer’s viewpoint, the the contrary view is that lenders are increasingly anxious and feel it crucial to defend themselves against mortgage fraud. As a consequence of this concern mortgage companies are limiting their panel of approved conveyancing lawyers to a size that they are happy to control.
In reviewing mumsnet.com for an online solicitor in Cottesmore, most advise that I must use a CQS kitemarked solicitor. What is CQS?
The Law Society's Conveyancing Quality Scheme is the recognised quality mark for legal experts in home ownership transfers, trusted by some of the UK's major lenders. In 2011-12 the Conveyancing Quality Scheme was officially recognised by the Building Societies Association (BSA). The scheme does not cover licenced conveyancers. Cottesmore is one of the numerous areas of the UK where there are CQS solicitors.
Is it necessary to pay for insurance to cover chancel repairs when buying a house in Cottesmore?
Unless a previous acquisition of the house completed after 12 October 2013 you could take it that lawyers delivering conveyancing in Cottesmore to continue to suggest a chancel search and or chancel repair liability policy.
My wife and I have a terraced Victorian house in Cottesmore. Conveyancing lawyer represented me and Lloyds TSB Bank. I happened to do a free search for it on the Land Registry database and there are two entries: one for freehold, another for leasehold with the matching property. I thought I was buying a freehold how can I check?
You should read 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Cottesmore and other locations in 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 mortgage companies. You can also question the position with the conveyancing lawyer who conducted the purchase.
As co-executor for the will of my aunt I am disposing of a house in Cardiff but reside in Cottesmore. My solicitor (approximately 250 miles awayrequires that I execute a statutory declaration prior to completion. Can you recommend a conveyancing lawyer in Cottesmore to attest and place their company stamp on the document?
Technically speaking you should not need to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or solicitor will do regardless of whether they are based in Cottesmore