It is 10 years ago since I purchased my house in Cardiff Bay. Conveyancing lawyers have recently been retained on the sale but I am unable to locate my deeds. Is this a problem?
You need not be too concerned. First there is a chance that the deeds will be kept by the mortgage company or they could be in the possession of the conveyancers who oversaw the purchase. Secondly in most cases the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Nearly all conveyancing in Cardiff Bay involves registered property but in the rare situation where your property is unregistered it adds to the complexity but is resolvable.
I am considering applying for a mortgage for purchase of a newly converted (under development) in Cardiff Bay with 60% LTV. Is it compulsory to choose a solicitor on the conveyancing panel for ?
In theory, you could use a solicitor that is not on the conveyancing panel, but would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
I know that there are debates on Chancel Insurance on online forums. Do I require chancel insurance when acquiring a property in Cardiff Bay? or I am told that there is a law dating back centuries that means some owners of property living in a parish church boundary may be liable to pay for maintenance to the chancel within the church. Is this relevant for conveyancing in Cardiff Bay?
Unless a previous acquisition of the premises completed post 12 October 2013 you can assume that solicitors carrying out conveyancing in Cardiff Bay to remain recommending a chancel search and or insurance against a claim.
My husband and I are new on the property ladder - agreed a price, yet the property agent has warned us that the seller will only move forward if we instruct the agent's preferred conveyancers as they are insisting on an ‘expedited deal’. My instinct tells me that we should use a local conveyancer with experience of conveyancing in Cardiff Bay
It is unlikely the owners are driving this. If they desire ‘a quick sale', turning down a motivated purchaser is counter productive. Try to communicate with the owners directly and make the point that (a)you are motivated buyers (b)you are ready to go, with mortgage lined up © you are unencumbered (d) you wish to move quickly (e)however you intend to appoint your own,trusted Cardiff Bay conveyancing lawyers - rather thanthose that will give the negotiator at the agency a commission or achieve conveyancing thresholds set by senior management.
Me and my wife are looking at buying our first property in Cardiff Bay. Please can you recommend a trustworthy Cardiff Bay that would represent us as well as act for ?
LenderPanel.com is restricted to being a directory service for who want to be listed as being on the approved conveyancing panel for in certain areas such as Cardiff Bay . We dont recommend any particular .