I am getting a mortgage offer from Halifax. I would like to retain the legal services of a Licensed Conveyancer in Cyncoed. Does the Halifax Solicitor panel include Licensed Conveyancers?

The Halifax approved solicitor list is, like many other lenders, associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.

Are there restrictive covenants that are commonly picked up as part of conveyancing in Cyncoed?

Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Cyncoed. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’

I'm buying a new build house in Cyncoed with the aid of help to buy. The builders would not reduce the amount so I negotiated 6k of extras instead. The property agent suggested that I not to tell my lawyer about the extras as it could put at risk my loan with The Mortgage Works. Should I keep quiet?.

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

Due to the encouragement of my in-laws I had a survey completed on a house in Cyncoed prior to retaining conveyancers. I have been informed that there is a flying freehold element to the house. Our surveyor has said that some mortgage companies tend not give a loan on this type of property.

It varies from the lender to lender. HSBC has different instructions for example to Birmingham Midshires. If you call us we can investigate further via the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Cyncoed. Conveyancing may be slightly more expensive based on your lender's requirements.

What tools are available to search for a Cyncoed solicitor on the Halifax conveyancing panel? I have a car and am willing to travel upto 20miles to meet the solicitor.

You can use the search on this website. Please select a mortgage company and your location and you will see a number of Cyncoed conveyancing lawyers located nearest you. We have listed some Cyncoed conveyancing firms at the bottom of this page and you can telephone them to check whether they are on the Halifax panel