Can I use your services to recommend a Conveyancing solicitor in Cardiff even if I’m not buying or selling a house, for example if I intend to acquire an office in Cardiff with a mortgage from ?
The service is primarily used to find residential conveyancing solicitors in Cardiff but we have listed at the end of this page some Cardiff commercial conveyancing firms. You should enquire with the solicitors directly to see if they can also act for
We have agreed to purchase a house in Cardiff. A rare aspect is that the roof has a solar panel. have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with your lawyer must comply with the conveyancing requirements contained in Section 2 of UK Finance Lenders’ Handbook for . The Council of Mortgage Lenders’ Handbook stipulates minimum conditions for solar panel roof-space leases, and are required to report to where a lease fails to satisfy these conditions. The conditions relate to the installation of panels on properties nationwide and is not limited to Cardiff.
I have paid off my mortgage with . I assume I don't need a Cardiff on the panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the mortgage from the register. , and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where has sent the Land Registry the discharge electronically, and
- has instructed the Land Registry to do so
I was told three weeks ago that my mortgage has been agreed to by . Is it usual for to only issue the offer once my solicitor in Cardiff is approved on their conveyancing panel? have asked my solicitor to see a copy of their Professional Indemnity Insurance Schedule.
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for to deal with your lawyer's application to be on the conveyancing panel. There's no guarantee that your solicitor will be accepted.
I've recently found out that there is a flying freehold issue on a property I put an offer in last month in what should have been a quick, no chain conveyancing. Cardiff is where the house is located. What do you suggest?
Flying freeholds in Cardiff are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Cardiff you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Cardiff may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
How do I identify a Cardiff law firm on the conveyancing panel? I am a keen cyclist and am happy to travel upto 20miles to meet the conveyancer.
You can use the facility on this page. Please select a mortgage company and your location and you will see a number of Cardiff conveyancing lawyers based on proximity. We have detailed some Cardiff conveyancing firms towards the end of this page and you can contact them to verify if they are on the member panel
We are in the middle of buying a house in Cardiff. Conveyancing lawyer has told us the property is "Leasehold". Should this adversely affect the salability of the house?
Cardiff conveyancing does not ordinarily involve leasehold houses. The main factor here is the length of lease and the ground rent. If it's 999 years with a peppercorn rent, it's virtually freehold, so it’s unlikely to impact the saleability significantly.
At the other extreme, if it's, say, Sixty years it will have a adverse impact on the value, and probably wouldn't be acceptable to the bank. The remaining lease term and ground rent will be set out in the lease to be supplied to your .