A loan offer from Santander for the refinancing of my 2 bedroom garden flat is coming imminently. Are you able to put forward a low cost conveyancing solicitor in Cumberland?
You are on the wrong site if you are seeking cut-price fees for conveyancing in Cumberland. Our aim is to provide affordable conveyancing but our intention is not to work with the cheapest lawyers. Resist the temptation to appoint companies enticing you with low cost conveyancing in Cumberland. Optimistically, in choosing a lawyer for cheap conveyancing, you will get your money’s worth and at worst it will result in you with a hefty uplift in extras and still not end up with the service required.
Last April we completed a house move in Cumberland. We have noticed several issues with the property which we believe were omitted in the conveyancing searches. Do we have any recourse? What searches should? have been ordered for conveyancing in Cumberland?
It is not clear from the question as what problems have arisen and if they are specific to conveyancing in Cumberland. Conveyancing searches and due diligence undertaken as part of the legal transfer of property are supposed to help avoid problems. As part of the process, a property owner fills in a questionnaire referred to as a Seller’s Property Information Form. If the information ends up being misleading, you may have a misrepresentation claim against the owner for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Cumberland.
My friend suggested that if I am buying in Cumberland I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is occasionally included in the estimate for your Cumberland conveyancing searches. It is not a small report of about 40 pages, listing and setting out important information about Cumberland around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average Property Price, Crime statistics, Cumberland Education with maps and statistics, Local Amenities and other useful data about Cumberland.
Are there restrictive covenants that are commonly identified as part of conveyancing in Cumberland?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Cumberland. 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…’
Due to the input of my in-laws I had a survey completed on a house in Cumberland ahead of instructing lawyers. I have been told that there is a flying freehold aspect to the house. Our surveyor has said that some lenders will refuse to give a loan on a flying freehold house.
It varies from the lender to lender. Bank of Scotland has different requirements from Nationwide. Should you wish to telephone us we can investigate further via the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Cumberland. Conveyancing will be smoother if you use a solicitor in Cumberland especially if they regularly deal with such properties in Cumberland.