It is is a decade since I acquired my property in Cottenham. Conveyancing solicitors have just been appointed on the sale but I am unable to track down the title deeds. Will this cause complications?
You need not be too concerned. Firstly the deeds may be with the lender or they could still be with the solicitor who handled the purchase. Secondly the chances are that the land will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in Cottenham involves registered property but in the rare situation where your home is not registered it is more tricky but is not insurmountable.
My brother-in-law has suggested I instruct a conveyancing solicitor in Cottenham. I I would like to check whether they are accepted on the Bank of Scotland approved list of lawyers. Could you advise?
The first thing to do is contact the conveyancer and ask them whether they can act for the lender. Otherwise you should call Bank of Scotland who may be able to assist.
What is the difference between a licensed conveyancer and conveyancing solicitor in Cottenham
There are many registered licenced Conveyancers in Cottenham and Solicitor practices in Cottenham who provide Conveyancing services We would stress that the two are regulated professionals specialising in the legal work in the home buying process. The two can conduct associated property related work such as remortgage conveyancing, lease extensions and transfer of equity conveyancing.
Forgive me if this question is silly but I am wet behind the ears as FTB of a garden flat in Cottenham. Do I pick up the keys to the property on the completion date from my lawyer? If so, I will find a High Street conveyancing solicitor in Cottenham?
There is no need to visit the lawyers office on the day of completion. Your solicitors will transfer the completion advance to the seller's lawyers, and shortly after the monies have arrived, you should be able to pick up the keys from the property Agents and start moving into the property. This tends to happen early afternoon.
My wife and I purchasing a detached bungalow in Cottenham. Our aim is to convert the garage to a playroom at the property.Will the conveyancing process involve enquiries to ascertain if these works are permitted?
Your solicitor will review the deeds as conveyancing in Cottenham will occasionally identify restrictions in the title documents which prohibit categories of alterations or require the permission of another owner. Some extensions require local authority planning permissions and approval in accordance building regulations. Some areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. You should check these issues with a surveyor ahead of any purchase.
I know that there are debates on Chancel Insurance on online forums. Am I compelled to take this when buying a property in Cottenham? or Apparently there is an ancient law that could mean that house owners living in a parish church boundary may be liable to pay for repairs to the chancel within the church. Is this appropriate for conveyancing in Cottenham?
Unless a previous acquisition of the house took place post 12 October 2013 you could expect solicitors handling conveyancing in Cottenham to remain recommending a chancel search and or chancel repair liability policy.
I'm purchasing a new build house in Cottenham with a mortgage from Bank of Ireland. The sellers would not move on the amount so I negotiated five thousand pounds worth of extras instead. The house builders rep told me not disclose to my lawyer about this side-deal as it may adversely affect my loan with the bank. 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.
What does commercial conveyancing in Cottenham cover?
Commercial conveyancing in Cottenham incorporates a broad range of guidance, provided by regulated solicitors, relating to business premises. For example, this type of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the transfer of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial loans and the termination of leases.