Can I use your services to find a Conveyancing solicitor in Cumbria even if I’m not purchasing or disposing of a house, for example where I wish to acquire an office in Cumbria with a mortgage from Lloyds TSB Bank?
Our comparison service is primarily used to find domestic conveyancing solicitors in Cumbria but we have recorded at the end of this page a few Cumbria commercial conveyancing firms. You should speak with the company directly to check if they are also authorised to represent Lloyds TSB Bank
we are a couple who are buying a newbuild flat in Cumbria with a loan from Nationwide Building Society.We would like to retain our Cumbria conveyancing practitioner but Nationwide Building Society says her practice is not listed on their approved list of member firms. we are left little option but to use a Nationwide Building Society panel firm or keep our high street solicitor and fork out for one of their panel ones to act for them. We feel as though this is unjust; Can we not simply insist that Nationwide Building Society use our lawyer?
Unfortunately,no. The home loan offered to you contains terms and conditions, one of which will be that conveyancers needs to be on the Nationwide Building Society approved list. Until recently, most lenders had large numbers of solicitors on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Nationwide Building Society
I am helping my mother sell her flat in Cumbria. Does the conveyancer arrange an energy assessment or it is for me to see to?
After the abolition of Home Information Packs, energy assessments was kept a mandatory component of selling a house. An energy assessment must be commissioned prior to the property being placed on the market. This is not as aspect of the sale process that conveyancers ordinarily organise. If you are instructing a Cumbria conveyancing lawyer they may help arrange energy assessments given their relationships with long established local accredited person
I am currently in the process of buying my council flat in Cumbria. I have a mortgage agreed with Skipton. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with Skipton, you will need to appoint a solicitor on the Skipton conveyancing panel.
I am due to exchange contracts on my flat. I had a double glazing fitted in January 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Kent Reliance are being pedantic. The Cumbria solicitor who is on the Kent Reliance conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Kent Reliance are requiring a building regulation certificate. Why do Kent Reliance have a conveyancing panel if they don't accept advice from them?
It is probably the case that Kent Reliance have referred the matter to their valuer. The reason why Kent Reliance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
I have a 4 bedroom Georgian house in Cumbria. Conveyancing practitioner acted for me and Santander. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold with the exact same property. If a house is not a freehold shouldn't I have been informed?
You should read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Cumbria and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the situation with your conveyancing practitioner who carried out the work.
As co-executor for the will of my grandmother I am selling a residence in Cardiff but reside in Cumbria. My lawyer (approximately 235 kilometers from merequires that I sign a statutory declaration before completion. Could you suggest a conveyancing practitioner in Cumbria who can attest this legal document for me?
Technically speaking you are not likely to need to have the documents attested by a conveyancing solicitor. Normally or notary public or solicitor will do regardless of whether they are Cumbria based
I have today had an offer accepted on an apartment in Cumbria and the mortgage adviser that we are dealing with suggested his solicitor. She quoted nine hundred pounds plus VAT and 3rd party costs. Does this sound expensive?
Don't just go on a single quote. One should seek like-for-like quotes for your conveyancing in Cumbria. Then pick one that you trust and just as important, is on the approved list of the lender that you are sourcing your mortgage from.