We were just about to sign contracts for a property in Mancot. We encountered a snag. The loan offer with TSB runs out on 30/1/2026 but the vendors are insisting on a completion date of 3/2/2026. Can one extend the mortgage expiry date?

The best person to address this question is your solicitors who should assess if they should be discussing with the mortgage company, owner’s lawyers, selling agents or possibly all three taking into account what has gone on in your transaction as of today.

I am the single beneficiary of my late grandmother’s estate with all property in now in my sole name, including the my former home in Mancot. The Mancot property was put into my name in October. I want to move. I understand that there is a Mortgage Lenders six month 'rule', meaning my proprietorship could be treated the same way as if I'd bought the property in October. Is the property unsalable for six months?

The Council of Mortgage Lenders’ handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you could be impacted by that. How practical a view banks take of it, depend on the mortgage company as this provision is principally there to pick up on subsales or the wholesaling and assigning of property.

Are all Mancot Conveyancing Quality Solicitors on the Skipton conveyancing panel?

Some major banks and building societies now utilise CQS as the kick off point for Panel approval such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for solicitors wishing to join their approved list of conveyancing solicitors.

I have today made my last payment due on my mortgage with Principality. I assume I don't need a Mancot lawyer on the Principality panel to remove the mortgage at the Land Registry. Please confirm.

If you have finished paying off your Principality mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Principality mortgage from the register. Principality, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:

1. but are not moving to another property
2. where Principality has sent the Land Registry the discharge electronically, and
3. Principality has instructed the Land Registry to do so

I used Arc property Solicitors several years ago for my conveyancing in Mancot. Now, I need the files however cannot find the solicitor. What do I do?

Do contact the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Mancot of the conveyancing firm of solicitors you previously instructed, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

How does conveyancing in Mancot differ for newly converted properties?

Most buyers of new build or newly converted property in Mancot come to us having been asked by the housebuilder to sign contracts and commit to the purchase even before the premises is ready to move into. This is because developers in Mancot tend to purchase the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct property lawyers as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Mancot or who has acted in the same development.

My partner and I may need to sub-let our Mancot basement flat for a while due to a career opportunity. We instructed a Mancot conveyancing firm in 2001 but they have since shut and we did not have the foresight to seek any guidance as to whether the lease permits subletting. How do we find out?

The lease governs the relationship between the landlord and you the leaseholder; specifically, it will say if subletting is prohibited, or permitted but only subject to certain caveats. The rule is that if the lease contains no expres ban or restriction, subletting is permitted. The majority of leases in Mancot do not prevent strict prohibition on subletting – such a provision would undoubtedly devalue the flat. Instead, there is usually simply a requirement that the owner notifies the freeholder, possibly sending a duplicate of the tenancy agreement.

Mancot Leasehold Conveyancing - Examples of Queries Prior to Purchasing

What is the yearly maintenance fee and ground rent? For most Mancot leaseholds the outlay for major works tend not to be included within service charges, although there some managing agents in Mancot ask tenants to contribute towards a reserve fund created for the specific purpose of building a fund for larger repairs or maintenance.