We are selling our apartment in Llanelli. Does my lawyer need to be required to be on the Lloyds conveyancing panel in order to deal with repayment of my mortgage?

Ordinarily, even if your lawyer is not on the Lloyds 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 conditions fairly frequently currently.

I purchased a 4 bedroom Edwardian property in Llanelli. Conveyancing practitioner represented me and Lloyds TSB Bank. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold with the matching property. I thought I was buying a freehold how can I check?

You need to assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Llanelli and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with your conveyancing practitioner who conducted the purchase.

I decided to have a survey done on a house in Llanelli in advance of instructing solicitors. I have been informed that there is a flying freehold overhang to the house. Our surveyor advised that some lenders will refuse to grant a loan on a flying freehold property.

It depends who your proposed lender is. Bank of Scotland has different requirements from Halifax. If you call us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Llanelli. Conveyancing may be slightly more expensive based on your lender's requirements.

What does commercial conveyancing in Llanelli cover?

Llanelli conveyancing for business premises incorporates a wide array of services, given by qualified solicitors, relating to business property. By way of example, this area of conveyancing can cover the sale or purchase of freehold business premises or, more usually, the assignment of existing business tenancies or the drafting of new leasing arrangements. Commercial conveyancing solicitors can also offer advice on the sale of business assets, commercial mortgages and the termination of tenancies.

I pay a maintenance contribution for my property in Llanelli. Due to redundancy and other issues I fell into arrears with payments. I negotiated a payment schedule but there is still a couple of currently outstanding.

I now wish to sell and I am worried this will hold me back if I have to settle the amount due first. I'd like to sell up and subsequently pay them back with the proceeds - is this viable?

It would be wise to clarify with the conveyancing practitioner handling your Llanelli conveyancing but one option could be to agree for the outstanding amount to be transferred to the buyers. The final price payable would be reduced to reflect the amount of debt they take on. They would then discharge the outstanding monies once they are the owners.