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Recently asked questions about conveyancing in Cumbria

Having sold my house in Cumbria last July but the buyer keeps texting me to moan that his solicitor needs to hear from mine. What should have happened following completion?

After completion of your disposal your lawyer should forward the transfer documentation and all of the paperwork to the purchaser's lawyers. Depending on the transaction, your lawyer should also send confirmation that the legal charge in favour of the lender has been redeemed to the purchasers solicitors. There are no post completion requirements unique to conveyancing in Cumbria.

I am about to put a bid on a leasehold flat in Cumbria. The estate agents tell me that it is normal for flats in Cumbria to have less than 75 years remaining. I am getting a loan with Chelsea Building Society. Is this going to be a problem if the lease has 72 years left.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Chelsea Building Society have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 27/5/2023 the requirements read as follows :

85 years from the date of completion of the mortgage. Please ensure that you explain the implications of a short term lease to the borrower.

This question may be naive but I am unexperienced as FTB of a garden flat in Cumbria. Do I receive the keys to the house on the completion date from my conveyancer? If this is the case, I will appoint a High Street conveyancing solicitor in Cumbria?

There is no need to visit the lawyers office on the day of completion. Conveyancing lawyers for you will arrange to send the purchase money to the owner’s lawyers, and shortly after the monies have arrived, you should be invited to receive the keys from the Estate Agents and move into your new home. Usually this happens between 1 and 3pm.

My aunt informed me that in purchasing a property in Cumbria there may be various restrictions limiting what one can do in terms of external changes to a property. Is this right?

There are a number of properties in Cumbria which have some sort of restriction or requirement of consent to external changes. Part of the conveyancing in Cumbria should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I have been advised by my conveyancer that lack of building regulations insurance is needed on my purchase. What is the typical level of cover needed for conveyancing in Cumbria?

The appropriate level of lack of building regulations indemnity insurance depends on your lender. It would differ for example between Santander and The Royal Bank of Scotland. Conveyancing lawyers as opposed to members of the public take out such policies.

Have completed on a a semi-detached house in Cumbria , how long should it take for the Land Registry to register my proprietorship? My Cumbria conveyancing solicitor has been painfully slow, so I want to check the registration formalities are dealt with.

As far as conveyancing in Cumbria registration is no quicker or slower than anywhere else in the country. As opposed to being determined by geographic area, timeframes can vary depending on the party submitting the application, whether it is in order and whether the Land registry have to notify any interested persons or bodies. At present in the region of three quarters of submission are completed in less than three weeks but occasionally there can be longer hold-ups. Registration takes place once the buyer has moved in to the premises thus 'speed' is not usually primary concern yet where there is a degree of urgency associated with the registration then you or your lawyers can communicate with the Registry to express the reasoning for the application to be prioritised.

My brother has urged me to appoint his conveyancers in Cumbria. Should I use them?

There are no two ways about it it’s preferable to find a conveyancing solicitor is to have referrals from friends or family who have previously instructed the conveyancer you're considering.

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