I opted for a high street solicitor for my conveyancing in Cornwall today. After carefully reading the Terms I seeI am liable for charges even if our purchase aborts. Should I ditch them and appoint a web based lawyer advertising no-sale-no-fee conveyancing in Cornwall?
It is usually ‘give and take’ in that if "No Sale No Fee" is offered then the conveyancing charges will generally be uplifted to neutralise those transactions that fail to complete. Also remember that such schemes rarely protect you from expenses e.g. Cornwall conveyancing search charges.
We are a couple about to exchange contracts for a freehold house in Cornwall. We encountered a snag. The mortgage offer with Nottingham Building Society runs out on 24/8/2026 but the owners are putting forward a completion date of 26/8/2026. Is it possible to extend the loan offer?
The best person to address this issue is your lawyer who is in a position to determine if he or she is better off negotiating with the bank, seller’s lawyers, property agents or conceivably all parties based on the history of your transaction as of today.
I am planning to move house in July. Does my conveyancing solicitor communicate with the removal company on the completion day. As an aside, can you recommend a removal company in Cornwall. Conveyancing solicitor was found prior to coming across your website.
On the afternoon of completion you will need to pick up the keys from your property agent but this should only be done after the sellers conveyancers advise the agent that the monies to complete are in and the keys can be collected. You can tell the removal company that you are ready to move in. We are not in a position to recommend a particular removal organisation but can help you locate a residential property solicitor in Cornwall or a lawyer with expertise in conveyancing in Cornwall.
I am buying a detached bungalow in Cornwall. The intention is to convert the garage to a playroom at the house.Will the conveyancing process involve checks to determine if these alterations were previously refused?
Your conveyancer will review the deeds as conveyancing in Cornwall will occasionally reveal restrictions in the title documents which prevent categories of works or need the consent of a 3rd party. Certain works require local authority planning permissions and approval in compliance with building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or impact extensions. It would be wise to check these things with a surveyor before you commit yourself to a purchase.
My wife and I have organised a further advance on our mortgage from RBS as we wish to conduct alterations to our house in Cornwall. Are we obliged to choose a nearby Cornwall solicitor on the RBS conveyancing panel to handle the paperwork?
RBS would not normally instruct a member of their approved list of lawyers to deal with such a matter. If they do require any legal work then you would need to ensure that such a lawyer was on the RBS conveyancing panel.
I am purchasing my first flat in Cornwall with a loan from Leeds Building Society. The sellers would not move on the amount so I negotiated £7000 of extras instead. The house builders rep told me not disclose to my lawyer about the side-deal as it will affect my mortgage 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.
I have been on the look out for a ground for flat up to £305k and identified one round the corner in Cornwall I like with a park and railway links nearby, however it's only got 61 years on the lease. There is not much else in Cornwall for this price, so just wondered if I would be making a mistake purchasing a lease with such few years left?
If you need a home loan the shortness of the lease will be a potential deal breaker. Reduce the offer by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the premises for at least 2 years you could ask them to start the process of the extension and then assign it to you. You can add 90 years to the current lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer concerning this.
My brother-in-law has suggested I instruct a conveyancing solicitor in Cornwall. I need to find out if they are listed on the bank's approved list of lawyers. Could you help?
One option is to contact your lawyer to check if they are on the bank's panel. Alternatively please call us and we can investigate and revert. Should the firm not be on the bank panel we can certainly arrange a specialist conveyancing solicitor in Cornwall on the panel for your mortgage company.