My uncle informed me that in purchasing a property in Radyr there may be various restrictions preventing external alterations to the property. Is this right?

We are aware of anumerous of properties in Radyr which have some sort of restriction or requirement of consent to perform external variations. Part of the conveyancing in Radyr should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.

I am expecting a DIP from RBS this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do RBS recommend any Radyr solicitors on the RBS conveyancing panel, or is it better to go independently?

You will need to appoint Radyr solicitors independently although you'll need to choose one on the RBS conveyancing panel. The solicitor represents both you and RBS through the process.

It is not clear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Radyr building society branch on a couple of occasions and was told they are content with the situation and they would lend. My Radyr conveyancing solicitor - who is on the lender conveyancing panel- telephoned to say that they will not lend based on their UK Finance Lenders’ Handbook minimum lease term requirements. Who do I believe?

The lawyer must comply with the Council of Mortgage Lenders’ Handbook section two conditions for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the mortgage company to contact your lawyer in writing confirming that they will accept the number of years remaining.

I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to have this when purchasing a property in Radyr? or Apparently there is a law dating back centuries that means some owners of property living in a parish church boundary will be compelled to contribute towards repairs to the chancel in proximity to the church. Is this a legitimate concern for conveyancing in Radyr?

Unless a prior purchase of the house completed after 12 October 2013 you may take it that solicitors handling conveyancing in Radyr to remain recommending a chancel search and or chancel repair liability policy.

My partner has suggested that I use his lawyers for conveyancing in Radyr. Do I follow his recommendation?

No doubt the best way to find a conveyancing solicitor is to seek guidance from friends or family who have used the solicitor you're contemplating using.

Having had my offer accepted I require leasehold conveyancing in Radyr. Before I get started I would like to find out the remaining lease term.

If the lease is registered - and almost all are in Radyr - then the leasehold title will always include the short particulars 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.

Radyr Conveyancing for Leasehold Flats - Examples of Questions you should ask Prior to Purchasing

Where a Radyr lease has fewer than 80 years it will have adverse implications on the value of the flat. It is worth checking with your bank that they are content with residual term of the lease. Leases with fewer than 80 years remaining means that you will almost definitely require a lease extension at some point and it is worth finding out how much this will be. Remember, in most cases you would be required to have been the owner of the residence for a couple of years before you are legally able to extend the lease. The answer will be helpful as a) areas can result in problems for the block as the communal areas may begin to deteriorate if repairs remain unpaid b) if the tenants have an issue with the running of the building you will want to have all the details Best to be warned if changing the roof or some other significant cost is coming up to be shared by the leasehold owners and will materially increase the the maintenance fees or result in a one off invoice.

Me and my partner are buying a leasehold property in Radyr. Conveyancing quotes are averaging around £1800. Does that seem right?

The average cost last year for conveyancing in Radyr was £1,419 not including Land Tax and Land Registry fees.