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 if I intend to acquire an office in Cumbria with a loan from HSBC Bank?

Our comparison service is predominantly used to get a quote from domestic conveyancing solicitors in Cumbria but we have set out at the bottom of this page some Cumbria commercial conveyancing firms. You should enquire with the solicitors directly to see if they are also authorised to represent HSBC Bank

We are intent on selling our house in Cumbria and according to the buyers it appears that there is a risk of it being constructed land that was not decontaminated. A local conveyancer would know this is not the case. For the life of me I don't know why the purchasers used a national conveyancing firm rather than a conveyancing solicitor in Cumbria. We have lived in Cumbria for six years we know that this is a non issue. Should we contact our local Authority to obtain confirmation that the buyers are looking for.

It sounds as though you may have a conveyancing firm currently acting for you. Are they able to advise? You must check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same sickness)

The deeds to my home can not be found. The lawyers who conducted the conveyancing in Cumbria 10 years ago are no longer around. What do I do?

Assuming the title is registered the details of your proprietorship will be evidenced by the Land Registry with a Title Number. It is possible to conduct a search at the Land Registry, locate your property and order up to date copies of the Registered Entries for a small fee. If the property is Leasehold then the Land Registry will in most cases retain a certified duplicate of the Registered Lease and again, a copy can be ordered for twenty pounds.

I'm purchasing a new build house in Cumbria with a loan from Barnsley Building Society. The sellers refused to move on the price so I negotiated 6k of additionals instead. The house builders rep suggested that I not to tell my conveyancer about this side-deal as it could jeopardize 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 decided to have a survey completed on a property in Cumbria before appointing conveyancers. I have been informed that there is a flying freehold element to the property. Our surveyor advised that some banks may not grant a loan on a flying freehold home.

It varies from the lender to lender. Santander has different requirements from Birmingham Midshires. Should you wish to telephone us we can check with the appropriate mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Cumbria. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Cumbria to see if the conveyancing costs will increase in light of this.