My husband and I swapping mortgage lender for our flat in Creigiau with Kent Reliance. We have a son approaching twenty who lives at home. Our solicitor requested us to identify any adults other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the flat is forfeited by the lender. I have a couple of questions (1) Is this form unique to the Kent Reliance conveyancing panel as he never had to sign this form when we bought 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?

First, rest assured that your Kent Reliance conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Kent Reliance. This is solely used to protect Kent Reliance if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Kent Reliance had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

I am about to put a bid on a leasehold apartment in Creigiau. The property agents say that it is usual for flats in Creigiau to have less than 75 years left on the lease. I am getting a loan with Tesco Bank. Will the property be mortgageable given that the lease has 69 years to go.

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. Tesco Bank have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 9/5/2024 the requirements read as follows :

I require expedited conveyancing in Creigiau as I am under an ultimatum to complete in less than 4 weeks. A mortgage is not required. Is it possible to escape the need for conveyancing searches to save money and time?

If.Given you are not getting a mortgage you are at liberty not to do searches although no law firm would advise that you don't. Drawing on our experience of conveyancing in Creigiau the following are examples of what can show up and therefore affect future mortgageability: Enforcement Actions, Overdue Charges, Overdue Grants, Unadopted Roads,...

I have todaybecome aware that Stirling Law have been shut down. They conducted my conveyancing in Creigiau for a purchase of a leasehold flat 12 months ago. How can I check that my home is not still registered in the name of the previous owner?

The quickest method to check if the property is registered to you, 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 Creigiau conveyancing specialists.

Just had an offer accepted on a new build apartment in Creigiau. Conveyancing is daunting at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build legal work.

Set out below are examples of a few leasehold new build questions that you should expect your new-build leasehold conveyancing in Creigiau

Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. There must be mutual enforceability of lessee’s covenants. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.