Can the conveyancing solicitors listed on your site handle right to buy conveyancing in Radyr?
We do have numerous conveyancing solicitors who can service right to buy conveyancing work You should e-mail us with a view to get a conveyancing quote.
Is it the case that all Radyr solicitor practices on the Lloyds conveyancing panel are regulated by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Lloyds approved list of solicitors they would need to be regulated by the SRA. Some banks do list licenced conveyancers on their panel in which case such organisation would be governed by the Council of Licensed Conveyancers.
We are getting a further advance on our home loan from Lloyds as we intend to carry out improvements to our home in Radyr. Are we obliged to choose a local Radyr solicitor on the Lloyds conveyancing panel to handle the legals?
Lloyds would not normally appoint firms on their conveyancing panel to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Lloyds panel.
Completion of my purchase has taken place for my property in Radyr. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are sorted out effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Should my solicitor be making enquiries about flooding as part of the conveyancing in Radyr.
Flooding is a growing risk for conveyancers conducting conveyancing in Radyr. There are those who purchase a house in Radyr, fully expectant that at some time, it may be flooded. However, aside from the physical damage, where a property is at risk of flooding, it may be difficult to obtain a mortgage, adequate building insurance, or dispose of the property. There are steps that can be taken as part of the conveyancing process to forewarn the purchaser.
Conveyancers are not best placed to impart advice on flood risk, but there are a numerous searches that may be carried out by the purchaser or on a buyer’s behalf which will figure out the risks in Radyr. The standard property information forms given to a purchaser’s lawyer (where the solicitors are adopting what is known as the Conveyancing Protocol) contains a standard question of the vendor to discover whether the premises has suffered from flooding. In the event that the property has been flooded in past which is not notified by the vendor, then a buyer may bring a claim for damages resulting from an incorrect answer. The purchaser’s lawyers will also conduct an environmental report. This should reveal if there is a recorded flood risk. If so, further investigations will need to be carried out.
four months have gone by since my purchase conveyancing in Radyr concluded. I have checked the Land Registry website which shows that I paid £150,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
Due to the input of my in-laws I had a survey completed on a house in Radyr prior to retaining conveyancers. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some banks may not give a loan on such a house.
It depends who your proposed lender is. Santander has different instructions for example to Halifax. Should you wish to call us we can look into this further with the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Radyr. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Radyr to see if the conveyancing will be more expensive.