We are selling our home in Haverfordwest. Will the lawyer need to be on the Bank of Ireland conveyancing panel in order to deal with the discharge of my mortgage?

Ordinarily, even if your lawyer is not on the Bank of Ireland conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.

We are buying a house in Haverfordwest. I might seem paranoid but how we can trust a conveyancer? On completion day we have to deposit money into their account. What is the protection we have from them run away with our monies?

Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.

When it comes to mortgage companies such as Virgin Money, do Haverfordwest solicitors have to pay a fee to be on the conveyancing panel?

We are not aware of any bank fees to be on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel application.

Is there a list of Lloyds panel solicitors in Haverfordwest on the Building Society Association’s Website?

No. There is no such tool on the Council of Mortgage Lenders or Building Society Association sites. A small selection of lenders make their panel listings viewable over the internet. If you are in need of a Haverfordwest conveyancer on the Lloyds please make the most of our tool.

Due to the encouragement of my in-laws I had a survey completed on a property in Haverfordwest prior to retaining solicitors. I have been advised that there is a flying freehold aspect to the property. Our surveyor advised that some mortgage companies will refuse to give a loan on such a house.

It depends who your proposed lender is. Bank of Scotland has different requirements for example to Nationwide. If you e-mail us we can check via the relevant lender. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Haverfordwest. Conveyancing may be slightly more expensive based on your lender's requirements.

Having had my offer accepted I require leasehold conveyancing in Haverfordwest. Before I get started I require certainty as to the number of years remaining on the lease.

If the lease is registered - and almost all are in Haverfordwest - then the leasehold title will always include the basic details of the lease, namely the date; the term; and the original parties. From a conveyancing perspective such details then enable any prospective buyer and lender to confirm that any lease they are looking at is the one relevant to that title. For any other purpose, such as confirming how long the term was granted for and calculating what is left, then the register should be sufficient on it's own.

Leasehold Conveyancing in Haverfordwest - Sample of Queries Prior to Purchasing

The answer will be helpful as a) areas could cause problems for the building as the communal areas may begin to deteriorate if maintenance are not paid for b) if the tenants have an issue with the managing agents you will want to know about it What is the the remaining lease term? Its a good idea to find out as much as you can about the managing agents as they will impact your use and enjoyment of the property. As the proprietor of a leasehold property you will be in the clutches of the managing agents from a financial perspective and when it comes to daily matters like the cleanliness of the common parts. Don't be shy to ask other people if they are happy with them. In conclusion, be sure you discover the dates that you are obliged pay the maintenance charge to the appropriate party and precisely what it includes.

I have today placed an offer on an apartment in Haverfordwest and the estate agent that we are using suggested his conveyancer. She quoted a thousand pounds including VAT and disbursements. Does this sound expensive?

Don't just go on a single quote. You should obtain like-for-like quotes for your conveyancing in Haverfordwest. Then select one that you are comfortable with and just as important, is on the approved list of the mortgage company that you have applied for a mortgage from.