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Find a Cathays Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in Cathays? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your Cathays transaction at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised Cathays conveyancers for over 130 lenders.


Recently asked questions about conveyancing in Cathays

What is the first thing I need to know about purchase conveyancing in Cathays?

Not many law firms shout this from the rooftops but conveyancing in Cathays and elsewhere in England and Wales is often a confrontational experience. Put another way, when it comes to conveyancing there exists plenty of room for conflict between you and others involved in the transaction. E.g., the vendor, property agent and on occasion the mortgage company. Choosing a solicitor for your conveyancing in Cathays an important selection as your conveyancer is your adviser, and is the ONE person in the legal process whose responsibility is to protect your best interests and to keep you safe.

On occasion a third party with a vested interest will try and persuade you that you should follow their advice. For instance, the estate agent may claim to be assisting by suggesting your lawyer is dragging his heels. Or your financial adviser may tell you to do take action that is against your solicitors guidance. You should always trust your lawyer above all other parties in the conveyancing process.

I am about to put a bid on a leasehold property in Cathays. The property agents tell me that it is standard for flats in Cathays to have less than 75 years remaining. I am taking out a loan with Tesco Bank. Will the property be mortgageable given that the lease has 70 years unexpired.

Most leasehold conveyancing experts should be able to deal with a lease extension. if you are obtaining 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 22/5/2024 the requirements read as follows :

Is it the case that all Cathays CQS (Conveyancing Quality Scheme) solicitors are on the Skipton conveyancing panel?

A selection of banks and building societies now utilise the accreditation scheme as the kick off point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitors wishing to join their approved list of firms.

I'm in the throws of viewing apartments in Cathays and I am about to put in an offer. Is it wise to have a property lawyer on ‘stand by’? I intend to finance via a mortgage with Kent Reliance.

It would be wise to start your search sooner rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their contact information on to the selling agent. As you are seeking a mortgage with Kent Reliance, ask your prospective lawyers if they are on the Kent Reliance conveyancing panel otherwise they can't do the mortgage legal work.

Completion of my remortgage has taken place for my property in Cathays. Conveyancing was a necessary evil but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.

I am buying a property and the lawyer has referenced Chancel Repair for which the house could be obligated to contribute to given it’s proximity to the area of such a church. He has recommended insurance. Is this really necessary for conveyancing in Cathays

Unless a previous acquisition of the house took place after 12 October 2013 you can expect conveyancing practitioners delivering conveyancing in Cathays to continue to advocate a chancel search and or insurance against a claim.

I decided to have a survey done on a house in Cathays prior to appointing solicitors. I have been told that there is a flying freehold aspect to the house. My surveyor has said that some lenders will not issue a mortgage on this type of home.

It depends who your proposed lender is. HSBC has different requirements from Birmingham Midshires. Should you wish to telephone us we can check with the relevant bank. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Cathays. Conveyancing may be slightly more expensive based on your lender's requirements.

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Find out more about how flying freehold can affect your the value of a property.