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Find a East Cowes Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in East Cowes? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your East Cowes home move at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised East Cowes conveyancers for over 130 lenders.


Recently asked questions about conveyancing in East Cowes

Please could you suggest a Birmingham Midshires approved East Cowes conveyancing practice finish our house move within 28 days? Would it be better to use a local East Cowes conveyancer or a factory type firm?

We would be happy to suggest some excellent East Cowes conveyancing firms. You can also walk up the main road in East Cowes. Approach some well established firms and request to see a conveyancing solicitor for a fee estimate. Mention your requirements together with the reasons and ask for an assurance on speed. Select the lawyer that appears most efficient.

I purchased a freehold house in East Cowes but still charged rent, why is this and what is this?

It is rare for properties in East Cowes and has limited impact for conveyancing in East Cowes but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.

Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges date back many centuries, but the Rent Charge Act 1977 barred the creation of new rentcharges post 1977.

Previous rentcharges can now be redeemed by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 is to be dispensed with completely.

We are purchasing a terrace house in East Cowes. Our aim is to an extension at the rear at the house.Will legal conveyancing on the property include checks to see if these works are allowed?

Your conveyancer should check the registered title as conveyancing in East Cowes will sometimes identify restrictions in the title deeds which prevent certain changes or necessitated the consent of a 3rd party. Many works require local authority planning consent and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be sensible to check these issues with a surveyor prior to committing yourself to a purchase.

I happen to be the only beneficiary of my late grandmother’s will with all property in now in my sole name, including the house in East Cowes. The East Cowes property was put into my name in January. I want to move. I do know about the CML six month 'rule', meaning my property ownership could be regarded the same way as though I had purchased the house in January. Do I have to wait 6 months to sell?

The Council of Mortgage Lenders’ handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you might be caught by that. How sensible a view lenders take of it, depend on the bank as this provision principally exists to identify the purchase and immediately sell or the quick reselling of properties.

I am currently in the process of buying my council flat in East Cowes. I have a mortgage offer with RBS. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?

It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with RBS, you will need to appoint a solicitor on the RBS conveyancing panel.

I'm buying my first flat in East Cowes benefiting from help to buy. The sellers refused to move on the amount so I negotiated five thousand pounds worth of extras instead. The estate agent told me not inform my conveyancer about this deal as it may impact my loan with The Royal Bank of Scotland. Is this normal?.

All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.

Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.

Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.

I am looking into buying my first house which is in East Cowes and I am already nervous. I couldn't find anything specific about East Cowes. Conveyancing will be needed in due course but do you know about the East Cowes area? or perhaps some other tips you can share?

Rather than looking online forget looking online you should go and have a look at East Cowes. In the meantime here are some basic statistics that we found

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