It is is a decade since I bought my house in Cottesmore. Conveyancing lawyers have just been appointed on the sale but I am unable to track down my title deeds. Will this cause complications?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by your mortgage company or they may be in the possession of the solicitor who oversaw the purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Almost all conveyancing in Cottesmore involves registered property but in the rare situation where your home is not registered it is more tricky but is resolvable.
About to place an offer on a leasehold property in Cottesmore. The estate agents assure me that it is standard for flats in Cottesmore to have less than 75 years left on the lease. I am expecting a mortgage with Accord Mortgages. Will the property be mortgageable given that the lease has 70 years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Accord Mortgages have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 15/9/2026 the requirements read as follows :
My father informed me that in purchasing a property in Cottesmore there could be various restrictions limiting what one can do in terms of external changes to a property. Is this right?
We are aware of anumerous of properties in Cottesmore which have some sort of restriction or requirement of consent to execute external variations. Part of the conveyancing in Cottesmore should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
I am buying a 3 bedroom semi in Cottesmore. The intention is to carry out a loft conversion at the property.Will the conveyancing process include investigations to ascertain if these works were previously refused?
Your solicitor should check the deeds as conveyancing in Cottesmore can sometimes identify restrictions in the title deeds which prevent certain alterations or require the consent of another owner. Many works require local authority planning permissions and approval in compliance with building regulations. Many areas are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. You should check these issues with a surveyor ahead of any purchase.
The mortgage over my property is with Yorkshire BS for my property in Cottesmore. Conveyancing has been completed some time ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Yorkshire BS?
Your original mortgage agreement with Yorkshire BS will provide that you need their approval prior to letting out your property as this is likely to be a breach of Yorkshire BS’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Yorkshire BS directly. It should not be necessary to do this via a Yorkshire BS conveyancing panel lawyer.
Various internet forums that I have frequented warn that are a common cause of delay in Cottesmore conveyancing transactions. Is this right?
The Council of Property Search Organisations (CoPSO) published conclusions of research by MoveWithUs that conveyancing searches do not feature amongst the most frequent causes of hindrances in the conveyancing process. Searches are unlikely to feature in any holding up conveyancing in Cottesmore.
Is it simple use the search app to find a conveyancing lawyer in Cottesmore on the panel for my lender?
First select a mortgage company such as Santander, Norwich and Peterborough Building Society or Clydesdale then specify your preferred area such as Cottesmore. Conveyancing organisations in Cottesmore and further afield will then be identified.
My father-in-law has encouraged me to appoint his conveyancing solicitors in Cottesmore. Do I take his recommendation?
Much as we are happy to recommend a Cottesmore conveyancing lawyer it’s preferable to select a conveyancing lawyer is to get guidance from friends or relatives who have actually used the solicitor you're are thinking of instructing.