I am in the process of refinancing my home in Cottenham, does my lawyer have to be on the Kent Reliance Solicitor panel?
In theory, you could use a solicitor that is not on the Kent Reliance conveyancing panel, but Kent Reliance would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
I have justbecome aware that Stirling Law have closed. They conducted my conveyancing in Cottenham for a purchase of a freehold house 10 months ago. How can I be sure that my home is in my name in the name of the previous owner?
The easiest way to check if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Cottenham conveyancing specialists.
I'm purchasing my first flat in Cottenham with a mortgage from Barnsley Building Society. The builders would not budge the price so I negotiated £7000 of fixtures and fittings instead. The estate agent told me not reveal to my solicitor about this side-deal as it will affect my loan with Barnsley Building Society. 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.
Due to the encouragement of my in-laws I had a survey completed on a house in Cottenham prior to instructing conveyancers. I have been advised that there is a flying freehold aspect to the property. The surveyor advised that some lenders tend not issue a mortgage on a flying freehold home.
It depends who your proposed lender is. Santander has different instructions for example to Halifax. Should you wish to telephone us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Cottenham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cottenham to see if the conveyancing costs will increase in light of this.
I'm refinancing my current property to a buy to let mortgage with Accord Mortgages Ltd and intend to use the remaining equity as a deposit on another property. The neighborhood we are interested in is Cottenham. Will your lawyers be able to act for the two lenders and link together the two deals?
Make use of our comparison tool on this site to ensure that the conveyancers are approved by both banks. Assuming that they are the solicitor should be able to tie up the two deals but you should talk with you lawyer and specify your desired outcome and requirements.
How much experience do your Cottenham conveyancing solicitors have with Help To Buy, Shared Equity and similar schemes?
Cottenham conveyancing lawyers help thousands of buyers move home every year and helped lots of clients through the Help To Buy scheme. The chances are that whatever makes your case unique Cottenham conveyancers have worked on recent similar matters.