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Find a St Athan Conveyancing Solictior on Your Lender’s Panel

Ready to buy a new home in St Athan? Failing to check that a lawyer is on your lender’s list of approved solicitors can put your St Athan home move at risk of delay or failure.

Only LenderPanel.com provides a subset of authorised St Athan conveyancers for over 130 lenders.


Recently asked questions about conveyancing in St Athan

My fiance and I changing mortgage lender for our maisonette in St Athan with Co-operative. We have a son 19 who lives at home. Our solicitor requested us to identify anyone over the age of 17 other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this document specific to the Co-operative conveyancing panel as he did not need to sign this form when we bought 5 years ago (2) Does our son by signing this giving up his entitlement to inherit the property?

First, rest assured that your Co-operative conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Co-operative. This is solely used to protect Co-operative if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave. It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Co-operative had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

My wife and I buying a detached bungalow in St Athan. We would like to an extension at the rear at the house.Will legal work on the property include enquiries to see if these works are prohibited?

Your solicitor should review the registered title as conveyancing in St Athan will sometimes reveal restrictions in the title documents which prevent categories of works or need the consent of another owner. Many additions call for local authority planning consent and approval in accordance building regulations. Certain locations are designated conservation areas and special planning restrictions apply which frequently prevent or impact extensions. You should check these issues with a surveyor ahead of any purchase.

I have been told by my conveyancer that absentee landlord insurance is necessary on my purchase. What is the level of cover for St Athan conveyancing?

The appropriate level of absentee landlord indemnity insurance depends on who your lender is. It would differ for example between Accord Mortgages Ltd and Skipton Building Society. Conveyancing solicitors as opposed to borrowers take out such policies.

I am expecting a AIP from Aldermore this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Aldermore recommend any St Athan solicitors on the Aldermore conveyancing panel, or is it better to find our own lawyer?

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

Are there restrictive covenants that are commonly picked up during conveyancing in St Athan?

Restrictive covenants can be picked up when reviewing land registry title as part of the process of conveyancing in St Athan. 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…’

Yesterday I discovered that there is a flying freehold element on a house I put an offer in a fortnight ago in what was supposed to be a straight forward, chain free conveyancing. St Athan is the location of the property. Can you shed any light on this issue?

Flying freeholds in St Athan are rare but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside St Athan you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in St Athan may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.

How do I identify a St Athan law firm on the Chelsea Building Society conveyancing panel? I have wheels and am prepared to travel upto 25miles to meet the conveyancer.

You can use the tool on this page. Please choose the bank and your location and you will see a number of St Athan conveyancing lawyers locally. We have detailed some St Athan conveyancing firms at the bottom of this page and you can contact them to check whether they are on the Chelsea Building Society member panel

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Find out more about how flying freehold can affect your the value of a property.