Find a Lender-Approved Local Conveyancer in Cockermouth

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Our lawyers are committed to delivering the best property conveyancing to Cockermouth vendors and purchasers

Top reasons to let us help you choose a local conveyancing solicitor in Cockermouth

  • 1 Excellent communication and a wealth of local knowledge are key benefits that you should look for when selecting conveyancing solicitors. Cockermouth property deals can become a lot more complicated as a result of lack of transparency between all the parties. The lawyers listed endeavour to make sure that communication channels are open and act on arising issues and developments expeditiously.
  • 2 The companies shown on our directory have a variation of conveyancing lawyers, legal executives and support staff handling over one hundred thousand cases each year.
  • 3 Lawyer conveyancing firms have extremely good personal connections with Cockermouth selling agents and work very closely with them and local surveyors so as to ensure transactions proceed expeditiously.
  • 4 Notwithstanding what alternative lawyers may claim it just might be important to visit your lawyer to execute contracts. There are various parties with engaged in a homemove without needing to include the postman into the equation.
  • 5 Cockermouth conveyancers work in partnership with Cockermouth estate agents, property finders, surveyors, banks and other professionals to ensure that the highest level of service is offered to buyers and sellers every step of the way, never losing sight of the time-critical nature behind your conveyancing transaction

Examples of recent conveyancing in Cockermouth since March 2024*

Recently asked questions about conveyancing in Cockermouth

I have just over seventy years remaining on my lease and require a lease extension for my apartment in Cockermouth. Conveyancing solicitors on the Platform panel can deal with such extensions right?

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are securing a mortgage then your lender may insist that the lease be extended before competition. Platform have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 11/6/2024 the requirements read as follows :

Minimum 85 years unexpired from completion, except where the mortgage application is pursuant to Platform's participation in the Government's Help to Buy Shared Equity scheme, in which case (a) the unexpired lease term must not be less than 250 years for new-build houses and not less than 125 years for new-build flats and (b) ground rent must be reasonable at all times and any escalation must be linked to RPI (Retail Price Index) or a similar index.

Do commercial conveyancing searches reveal planned roadworks that could affect a commercial estate in Cockermouth?

Its becoming the norm that commercial conveyancing solicitors in Cockermouth will carry out a SiteSolutions Highways report as it dramatically cuts the time that conveyancers invest in researching accurate data on highways that impact buildings and development assets in Cockermouth. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Cockermouth.

For every commercial conveyancing transaction in Cockermouth it is crucial to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately can cause delays to Cockermouth commercial conveyancing transactions as well as present a risk to future plans for the site. These searches are not carried out for residential conveyancing in Cockermouth.

It has been 4 months following my purchase conveyancing in Cockermouth completed. I have checked the Land Registry site which shows that I paid £200,000 when infact I paid £160,000. Why the discrepancy?

The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the asset from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.

I'm buying a new build house in Cockermouth with a loan from Skipton Building Society. The sellers refused to move on the amount so I negotiated £7000 of extras instead. The sale representative suggested that I not to tell my lawyer about this side-deal as it may affect my loan with the lender. Should I keep quiet?.

All lenders require a Disclosure of Incentives Form from the builder 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 opted to have a survey done on a house in Cockermouth before appointing solicitors. I have been told that there is a flying freehold element to the property. My surveyor has said that some lenders will not issue a loan on such a premises.

It varies from the lender to lender. Bank of Scotland has different instructions from Nationwide. Should you wish to telephone us we can investigate further with the relevant lender. If you lender is happy to lend one our lawyers can help as they are used to dealing with flying freeholds in Cockermouth. Conveyancing will be smoother if you use a solicitor in Cockermouth especially if they are acquainted with such properties in Cockermouth.

I have just started marketing my basement apartment in Cockermouth. Conveyancing is yet to be initiated, however I have just had a yearly maintenance charge demand – what should I do?

Your conveyancing lawyer is likely to suggest that you should pay the invoice as you normally would as all ground rent and service payments will be apportioned on completion, so you will be reimbursed by the purchaser for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.

I own a 1st floor flat in Cockermouth, conveyancing formalities finalised in 1995. Can you let me have an estimate of the premium that my landlord can legally expect in return for granting a renewal of my lease? Corresponding properties in Cockermouth with an extended lease are worth £181,000. The average or mid-range amount of ground rent is £55 yearly. The lease runs out on 21st October 2074

With just 50 years remaining on your lease the likely cost is going to range between £31,400 and £36,200 plus legals.

The suggested premium range that we have given is a general guide to costs for extending a lease, but we are not able to advice on the actual costs without more detailed due diligence. You should not use this information in tribunal or court proceedings. There are no doubt additional concerns that need to be taken into account and clearly you want to be as accurate as possible in your negotiations. Neither should you move forward based on this information before getting professional advice.

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What to expect from a Licensed Conveyancer for conveyancing in Cockermouth?

Licensed Conveyancers specialise in the legalities surrounding acquiring and selling property and cover conveyancing countrywide as well as Cockermouth. If using a Licensed Conveyancer regulated by the CLC, you should:
  • Enjoy the benefit of an honest and lawful conveyancing.
  • Have a high standard of legal services.
  • Receive your transaction dealt with using care, skill and legal competence.
  • Enjoy the benefit of a high quality of service due to your lawyer’s arrangements, resources, procedures, skills and commitment.
  • Enjoy the benefit of a service which is accessible and responsive to your specific requirements.
  • Not feel discriminated against, victimised or harassed.
  • Not receive a service which is below the standard you could expect, however, if you do your lawyer accepts responsibility for this and provides you with any appropriate redress.
  • Ensure your individual needs taken into account should you make a complaint.
  • Enjoy the benefit of a timeous, impartial and comprehensive service where if a complaint is made about your conveyancing in Cockermouth.

Typically, Cockermouth conveyancing for a sale has some of the following tasks

  • Taking instructions from the appropriate parties
  • Collating the documents evidencing the title to the property
  • Preparing contract and associated documents
  • Forwarding draft papers to the conveyancer acting for the purchaser
  • Negotiating contracts and answering supplemental questions from the buyer’s conveyancer
  • Agreeing the transfer document
  • Replying to requisitions submitted by the purchaser’s conveyancer
  • Carrying out the key stage of exchanging contracts and then preparing for completion
  • Accepting the sale proceeds and sending funds to the seller, the estate agent and other relevant parties (if appropriate)

Whether you are going through a divorce or breakup or simply wish to transfer your property to someone else, transfer of equity conveyancing in Cockermouth includes some of the following tasks:

  • Taking instructions from parties involved
  • Investigating the title to the property
  • Following instructions from the lender (if appropriate)
  • Negotiating the terms of the transaction
  • Drawing up Transfer or approving the Transfer deed
  • Agreeing amendments to the the Transfer deed
  • Communicating with parties with regards to the Transfer
  • Agreeing and preparing for completion
  • Receiving and releasing funds to relevant parties
  • Preparing and submitting to HM Revenue and Customs the correct SDLT forms and payment
  • Dealing with the registration formalities for the change in proprietorship and the home loan (where applicable) at the Land Registry.

Neighboring Locations

Maryport
Cockermouth
Frizington
Moor Row
Cleator

*Source acknowledgement: House price data produced by Land Registry as well data supplied by Lexsure Ltd.

© Crown copyright material is reproduced with the permission of Land Registry under delegated authority from the Controller of HMSO.