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Conveyancing in Cockermouth Q & A's

Profile photo of Lorraine Imhoff

By

Ask Lorraine a question lorraine@homewardlegal.co.uk

Updated: 25/04/18

Practical Cockermouth travel and public service facts ;

The nearest airport to Cockermouth is Carlisle Airport (29 miles). The nearest station to Cockermouth is Maryport, about 6 miles away.

Cockermouth is the most convenient hospital.

Q.

How do I get the cheapest conveyancing solicitors?

A.

Many conveyancers advertise supposedly 'the cheapest conveyancing', but extra charges are frequently hidden in the terms and conditions. These terms are often ignored by excited buyers, eager to get underway.

Q.

If my family are purchasing next to a rectory in Cockermouth, should I get a chancel liability search?

A.

Property owners neighbouring specific local church buildings must contribute towards the cost of repairs, where chancel repair liability exists. Terms used in a property's name, like 'priory', may indicate chancel liability. A solicitor will be able to advise further. Cockermouth churches include All Saints and Christ Church.

Q.

Which local authority is responsible for Cockermouth?

A.

Cockermouth is located in Allerdale Borough Council, Allerdale House, Workington, Cumbria, CA14 3YJ, phone: 01900 702 702

Q.

Do we need to select the lawyer referred by my agent?

A.

Many agents in Chester have arrangements with solicitors where they refer conveyancing clients to them, however, these referrals should be considered carefully, as an agent may choose the conveyancer who pays out the highest referral fee, not the most suitable for you.

Q.

We are purchasing a home with Capital Home Loans, is there anything I need to be aware of?

A.

Prior to recent changes, most solicitors could act for the majority lenders. Over the last two years, some lenders have limited the firms who can act for them, resulting in greater legal costs for buyers if a second solicitor is required by their lender. Homeward Legal, however, can act for the vast majority of mortgage lenders so that the buyer will not have to pay your lender's legal costs.

Q.

I am buying a an extended flat in a Cockermouth conservation area, how does one find information relating to the state of upkeep?

A.

Conservation areas are created by the local authority (Allerdale) who preserve everything from upkeep of paths to street guard rails. English Heritage, a government body, have created a list of the state of repair of conservation areas.

Q.

Having heard about the extensive flooding in Sept 2012 in North West England I am anxious that conveyancing searches (environmental) aren't exacting enough?

A.

Conveyancing searches handled by the Cockermouth lawyer will also include the far more informative search (Landmark) if the risk is deemed significant.

If you remain still anxious you could attempt to get in touch with a local resident.

Q.

Do we need to get a home buyers survey?

A.

We strongly advise that home buyers arrange an inspection when buying in Cockermouth. Buyers should be aware that there are a range of defects that affect a property, which will not be addressed during a property valuation, for example cracks around door frames.