We are a couple about to sign contracts for a freehold house in Adamsdown. We encountered a snag. Our mortgage offer with Bank of Scotland expires on 24/6/2024 but the sellers are insisting on a completion date of 26/6/2024. Can one extend the loan offer?

The best person to deal with your issue is your lawyer who will hopefully calculate if he or she is should be discussing with the mortgage broker, owner’s representatives, property agents or conceivably all parties given the circumstances your transaction as of today.

A relative recommended that if I am buying in Adamsdown I should ask my conveyancer to carry out a Neighbourhood, Planning and Local Amenity Search. What does it cover?

This is a search is usually quoted for as part of the standard Adamsdown conveyancing searches. It is not a small report of more than thirty pages, listing and detailing significant information about Adamsdown around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the demographics of People living in the area, the dominant type of Housing, the Average House Prices, Crime details, Adamsdown Education with plans and statistics, Local Amenities and other useful information concerning Adamsdown.

I'm purchasing a new build house in Adamsdown benefiting from help to buy. The developers refused to move on the amount so I negotiated 6k of fixtures and fittings instead. The sale representative advised me not inform my conveyancer about this extras as it will jeopardize my mortgage with the bank. Do I keep my lawyer in the dark?.

All lenders require a Disclosure of Incentives Form from the developer 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.

Are there any apps to help search for a Adamsdown solicitor on the Chelsea Building Society conveyancing panel? I am a keen cyclist and am happy to travel upto 20miles to meet the conveyancer.

You can use the tool on this page. Please pick a bank and your location and you will see a number of Adamsdown conveyancing lawyers locally. We have listed some Adamsdown conveyancing firms at the bottom of this page and you can contact them to verify whether they are on the Chelsea Building Society panel

I have just started marketing my 2 bed flat in Adamsdown. Conveyancing lawyers have not yet been instructed, but I have just had a quarterly maintenance charge invoice – should I leave it to the buyer to sort out?

The sensible thing to do is pay the invoice as usual as all rents and service invoices will be allotted on completion, so you will be reimbursed by the purchaser for the period running from after the completion date to the next payment date. Most managing agents will not acknowledge the buyer unless the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. Having a clear account will assist your cause and will leave you no worse off financially.

Adamsdown Conveyancing for Leasehold Flats - A selection of Queries Prior to Purchasing

Best to be warned if fixing the lift or some other major work is due shortly to be shared by the leasehold owners and could well materially impact the level of the service costs or necessitate a specific invoice. The answer will be important as a) areas may result in problems for the building as the communal areas may start to deteriorate if services are not paid for b) if the tenants have a dispute with the running of the building you will want to know about it It would be sensible to discover as much as possible concerning the managing agents as they will impact your use and enjoyment of the property. Being a leasehold owner you will be at the mercy of the managing agents from a financial perspective and when it comes to practical matters such as the cleanliness of the communal areas. Enquire of other tenants what they think of their management. Finally, investigate as to the dates that the service fees are due to the managing agents and specifically what it includes.