We are a couple about to exchange contracts for a ground floor flat in Ogmore Vale. We encountered a problem. Our loan offer with Britannia runs out on 25/7/2023 but the owners are suggesting a completion date of 27/7/2023. Is it possible to prolong the mortgage offer?

The person best placed to deal with your concern is your conveyancer who should determine whether he or she is corresponding with the bank, owner’s lawyers, estate agents or conceivably all parties taking into account the history of your conveyancing to date.

I am looking to buy a flat and require a conveyancing solicitor in Ogmore Vale who is on the Britannia solicitor. Could you point me in the right direction as regards a conveyancing firm?

Our service is limited to being a directory service for firms who wish to listed as being on the approved conveyancing panel for Britannia in certain locations such as Ogmore Vale. We dont recommend any particular firm.

Are there restrictive covenants that are commonly identified as part of conveyancing in Ogmore Vale?

Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the legal transfer of property in Ogmore Vale. 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…’

The estate agent has sent us the confirmation of our purchase of a new build flat in Ogmore Vale. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. What sort of enquires would be asked in new build conveyancing.

Set out below are examples of a selection of leasehold new build questions that you may expect your new-build leasehold conveyancing in Ogmore Vale

Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? There must be mutual enforceability of lessee’s covenants. If there are lifts in the building, please confirm that the owners of flats on the ground and basement floors will not be required to contribute towards the cost of maintenance and renewal.

My conveyancer in Ogmore Vale has requested from me personal identification documents stating that this forms part of his retainer as a conveyancer on the lender Solicitor panel. Am I being spun a yarn?

Anti-terror and anti-money-laundering rules require Ogmore Vale conveyancing solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Client Care letter that you need to sign will no doubt confirm this. Your lawyer is right that the lender also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with the bank's UK Finance Lenders’ Handbook requirements